Downtown Homes with VA Loan Listing Terms

Downtown Homes with VA Loan Listing Terms

**Discover the Charm of Downtown, NC: Your New Home Awaits!**

Nestled in the heart of North Carolina, Downtown is a vibrant subdivision that beautifully blends urban sophistication with small-town charm. With its tree-lined streets, historic architecture, and a thriving community atmosphere, Downtown is the ideal place for families, young professionals, and retirees alike to call home.

As you stroll through the neighborhood, you’ll find an array of local boutiques, cozy cafes, and gourmet restaurants that contribute to the lively downtown scene. The area is also rich in cultural offerings, with art galleries, theaters, and music venues that keep the community buzzing with creativity and excitement. Parks and green spaces are plentiful, providing the perfect backdrop for leisurely afternoons or weekend picnics with loved ones.

For those looking to purchase a home in this desirable area, Downtown offers a variety of properties that cater to different lifestyles and budgets. Many homes are available with VA Loan listing terms, making it easier for veterans and active military personnel to achieve their dream of homeownership. These loans provide significant benefits, including no down payment and competitive interest rates, ensuring that your investment in Downtown is both financially sound and rewarding.

Whether you’re looking for a charming bungalow, a modern townhouse, or a spacious family home, Downtown has something for everyone. Embrace the unique blend of community spirit and urban conveniences that this enchanting subdivision has to offer. Your new adventure in Downtown, NC, starts here!

Newest Downtown Homes with VA Loan Listing Terms

$365,000
3 Beds ⋅ 2 Baths ⋅ 100600913 MLS
Welcome to 110 Campbell Street, a beautifully refreshed 3-bedroom, 2-bath home offering approximately 1,948 square feet on a spacious 0.69 acre lot near downtown Aberdeen. Set along one of the area's most appealing established streets, this home blends classic character with thoughtful improvements and abundant outdoor space. The refinished kitchen and updated bathrooms provide a fresh, inviting feel, while original hardwoods throughout the living room and bedrooms retain the charm of this lovely home. The covered front porch, rear deck, carport, brick patio and storage building make this a wonderful home to enjoy an indoor/outdoor lifestyle. The spacious backyard offers countless possibilities. With generous living space, excellent storage, and a peaceful setting convenient to downtown shops, dining, parks, and area amenities, 110 Campbell Street offers a rare combination of location, character, and practical updates. Call today to schedule your showing!

110 Campbell St, Aberdeen

Listing courtesy of Everything Pines Partners LLC.

$547,000
3 Beds ⋅ 4 Baths ⋅ 100600005 MLS
Experience townhome living, completely reimagined. Discover a new standard of low-maintenance, lock-and-leave living in the heart of Downtown Southern Pines. Thoughtfully designed to blend modern luxury with the vibrant small-town character of Moore County, this end-unit townhome features an upscale brick exterior and a one-car garage. The First floor offers a guest bedroom with a full ensuite bathroom, direct garage access, keeping everyday living practical and private, and a bright mudroom that leads to your own private backyard. Coming up to the second floor, you'll find an open-concept living room, kitchen, and dining area that form the heart of the home. The living room is elevated by a tray ceiling; the kitchen centers on a large island that doubles as extra seating. A covered balcony off the kitchen offers a distinctive outdoor room for North Carolina seasons and Downtown Southern Pines life. A pantry, coat closet, and half bath complete the level. Two bedrooms occupy the top floor. The second bedroom serves as a dual-primary suite with its own en-suite bath. A conveniently placed laundry room sits along the hall. The primary suite features a tray ceiling, a sitting area suited to a reading nook or desk, a walk-in shower, dual vanities, and a large walk-in closet. This three-bedroom, three-and-one-half-bath townhome is built for modern luxury with everyday convenience in mind. Finishes include quartz countertops, whole-house LVP, a zero-entry shower, and a backyard privacy screen.

120 Lexington Ln, Southern Pines

Listing courtesy of Ascot Realty Inc..

$699,000
3 Beds ⋅ 4 Baths ⋅ 100599138 MLS
160 N. Ridge is nestled among the mature trees and established streets of one of Southern Pines' most recognizable in-town neighborhoods, with everyday conveniences close at hand. Its combination of historic character, consistent care, inviting indoor and outdoor spaces plus additional basement storage and workspace, a fenced yard, the coveted two-car garage, and a truly walkable location captures much of what makes living in Downtown Southern Pines so appealing. Well maintained and filled with character, this Colonial Revival home has been thoughtfully cared for over the years, including by the same trusted handyman for more than 3 decades. Warm hardwood floors, built-ins, 2 fireplaces, original architectural details, charming sleeping porch, 2nd floor balcony, Carolina sunroom that doubles as flex space, a raised front terrace, generous windows and an abundance of natural light give the home a comfortable timeless feel. The location is equally special. Downtown Park is just two blocks away, with the shops, restaurants, coffee spots and entertainment of downtown Southern Pines only a few blocks beyond. Moore Montessori Charter School is just a short walk down the street, adding another unique convenience to this already highly walkable downtown location. This colonial revival is recognized as a contributing property within the National Register of Historic Places, reflecting the history and architectural character of Southern Pines. Restrictions on exterior alterations do not apply.

160 N Ridge St, Southern Pines

Listing courtesy of Coldwell Banker Advantage-Southern Pines.

$450,000
2 Beds ⋅ 2 Baths ⋅ 100598093 MLS ⋅ Downtown BLDG.
Wonderful opportunity to own in Wilmington's highly sought-after Brooklyn Arts District. Located at 314 Davis, this condo building consists of just three units, with Unit 301 occupying the entire third floor! Enjoy being in the heart of the Brooklyn Arts District, surrounded by a mix of art and yoga studios, cafés, bakeries, shopping, trendy restaurants, pubs, breweries, parks, music venues, and waterfront attractions. Spend evenings strolling to the marina or Riverwalk to take in some of Wilmington's best sunsets, all just steps from your front door. This move-in ready condo offers 1,330 square feet of space with 2 bedrooms featuring walk-in closets, 2 full bathrooms, and a dedicated office with private deck access. A rare downtown find, the property also includes an attached one-car garage plus an additional off-street parking space. Inside, tall windows fills the expansive living area with natural light. The open-concept layout features a fully equipped kitchen with a large island overlooking the living room. Whether you are searching for a full-time downtown residence, a stylish pied-à-terre for weekend beach getaways, or a low-maintenance lifestyle where you can leave the car parked and walk or bike everywhere, this property checks every box. Conveniently located just 15 minutes from Wrightsville Beach, and only a short drive to UNCW, medical facilities, and the Wilmington International Airport. Enjoy easy access to concerts at Live Oak Bank Pavilion, the annual North Carolina Azalea Festival, Riverfest, performances at Wilson Center, and the endless events and entertainment that make downtown Wilmington such a dynamic place to live. An exciting bonus: Wilmington's first permanent food truck hub and live outdoor music venue will be directly across the street. Come experience everything downtown Wilmington has to offer!

314 Davis St Unit Unit 301, Wilmington

Listing courtesy of Intracoastal Realty Corporation.

$535,000
4 Beds ⋅ 3 Baths ⋅ 100598037 MLS
Welcome to the Croom House where historic charm + modern updates are nestled between Downtown Wilmington and the Cargo District. Beautifully blending historic character with modern comfort, this 4-bedroom, 2.5 bathroom home offers 1,821 square feet of extensively renovated living space in one of Wilmington's most desirable historic neighborhoods. Originally built in the early twentieth century as an investment property, the home has been thoughtfully updated while preserving the architectural details that make it truly special. Recent improvements (2022) include a beautifully renovated kitchen and dedicated laundry room, updated primary bathroom, sliding glass patio doors opening onto the rear Trex deck, 2 new HVAC units, 6-foot wooden privacy fencing, electrical upgrades including new electrical panel (2024), significant structural and framing improvements, and thoughtfully designed outdoor living and storage spaces. The crawlspace has been encapsulated with moisture barrier and a commercial grade dehumidifier installed (2022). These comprehensive renovations provide the comfort and reliability of a modern home while maintaining the timeless character that defines this historic property. Inside, light-filled living spaces feature high ceilings, generous proportions, and timeless finishes that complement the home's original craftsmanship. The renovated kitchen serves as the heart of the home, seamlessly connecting to inviting indoor and outdoor spaces ideal for entertaining or quiet evenings at home. Outside amenities include off street parking and an EV charger for unheard of downtown convenience. With its unbeatable location between Wilmington's Historic Downtown and the vibrant Cargo District, the home offers exceptional walkability to some of the city's best restaurants, breweries, cafés, boutique shopping, and entertainment. The Cargo District is located just 3 minutes away while Wilmington's iconic Riverwalk is just a short 5-6 minute drive. Recognized with a historic plaque, this National Folk style home traces its origins to the early 1900s and reflects an important chapter of Wilmington's architectural heritage. Carefully updated and modernized, the Croom House offers a rare opportunity to enjoy the charm of a historic residence with the comfort and convenience of contemporary living. Don't miss the chance to own a historic home where original character, quality craftsmanship, and modern convenience come together in one of Wilmington's most dynamic and sought-after neighborhoods.

1416 Dock St, Wilmington

Listing courtesy of Berkshire Hathaway HomeServices Carolina Premier Properties.

$325,000
3 Beds ⋅ 3 Baths ⋅ 100594947 MLS
Discover easy, low-maintenance living in this beautifully designed new construction home at 535 S. Henley St. in Southern Pines. Offering 3 bedrooms, 2.5 bathrooms, and 1,619 square feet, this contemporary cottage blends modern finishes with a functional layout designed for today's lifestyle. The main level features durable luxury vinyl plank flooring, stylish lighting, and an open living space that's perfect for entertaining or everyday living. Upstairs, upgraded carpeting creates a cozy retreat in each bedroom. Outside, enjoy a spacious backyard with room for gardening, play, or gathering with family and friends, all complemented by professional landscaping. With a one-car garage, no HOA, and the added confidence of a comprehensive home warranty, this move-in-ready home is an exceptional opportunity in one of Southern Pines' most convenient locations. The spacious kitchen flows seamlessly into the living and dining areas, creating an ideal space for entertaining or relaxing at home. Upstairs, the comfortable bedrooms provide a peaceful retreat, including a well-appointed primary suite. Step outside to enjoy the patio overlooking a generously sized backyard with plenty of room for gardening, outdoor gatherings, or simply enjoying the Carolina seasons. Professionally landscaped and complete with a one-car garage and an excellent home warranty, this move-in-ready home offers the perfect combination of quality, comfort, and convenience. Don't miss your opportunity to own this exceptional new home in SoPines!

535 S Henley St, Southern Pines

Listing courtesy of eXp Realty.

$520,900
3 Beds ⋅ 4 Baths ⋅ 100594079 MLS
**8,000 Seller concession + Fridge and Blinds** Discover the Townhomes on Bennett. Conveniently ocated in the heart of downtown Southern Pines with it's beautiful upscale brick exterior and a 2 car garage. Stepping inside the first floor you'll find a bedroom, full en-suite bathroom, drop zone and entry to your garage. Moving to the second floor of the home you can enjoy an open concept living room, kitchen, and dining area. The living room includes upgraded features such as a trey ceiling. The deluxe kitchen includes wall oven, electric cooktop, beautiful quartz countertops and a natural stone backsplash. Off the kitchen is a beautiful covered balcony that is perfect for relaxing or entertaining. Other second floor features include a pantry, coat closet, and half bathroom. As you move to the third floor of this townhome you will find the remaining two bedrooms. The primary bedroom and the second guest bedroom. The second guest bedroom serves as a dual primary suite with an en-suite bathroom. As you move down the hall you will encounter the full size laundry room. Finally arriving in the primary suite with a large walk in closet and primary bathroom. The upscale bathroom is complete with a frameless walk-in shower, and dual vanity sinks. This home has upscale finishes and LVP throughout, Come see all that Townhomes on Bennet has to offer!

106 Lexington Ln, Southern Pines

Listing courtesy of Ascot Realty Inc..

$845,000
3 Beds ⋅ 3 Baths ⋅ 100593068 MLS
Built in 1923 and expertly restored by renowned historic restoration team Wild Old Women and One Guy, this exceptional 2,283 sq ft home sits on a deep 0.16-acre lot along a brick-lined street in downtown Wilmington. Offering 3 bedrooms, 2.5 bathrooms, a dedicated office, and off street parking, the home pairs historic character with high-quality modern updates. A covered front porch and leaded glass entry door welcome you into an open floor plan with 9-ft ceilings, a linear electric fireplace, and 2.5-inch red oak hardwood floors. Original-style glass doorknobs preserve the home's charm, while fully insulated exterior and interior walls provide added energy efficiency and sound reduction. The kitchen features Taj Mahal quartzite counters and full length quartzite backsplash, 42'' upper cabinets, double ovens, a large island, and an ornate glass mosaic tiled backsplash, creating a striking focal point above the range. The first-floor primary suite offers a spacious walk-in closet and an elegant en suite bath with tile floors, double vanities, and a fully tiled walk-in shower with a Carrara marble inlay. An adjoining sitting room is ideal as an office or nursery and can be easily enclosed with the addition of a closet to create a 4th bedroom. A half bath & laundry room with plumbing for a utility sink complete the main level. Upstairs offers a spacious landing, two guest bedrooms, a full bath with double vanities, & walk-in attic storage. The screened porch overlooks a fenced backyard with mature trees and shrubs, plus a paver grilling patio & separate concrete patio. Additional features include a metal roof and a private driveway for up to 3 vehicles. Located within Wilmington's National Register Historic District, yet just outside the locally regulated Historic District, the home offers historic charm without the added restrictions of local historic guidelines. Enjoy easy access to downtown's premier shopping and dining, the Riverwalk, & the Cargo District.

512 Queen St, Wilmington

Listing courtesy of Century 21 Vanguard.

$695,000
4 Beds ⋅ 4 Baths ⋅ 100585657 MLS
Nearing completion with an anticipated completion date of September 30th, this beautiful new construction home offers the perfect blend of modern comfort, flexible living space, and an unbeatable Southern Pines location. Just minutes from downtown Southern Pines, enjoy easy access to First Friday events, the Saturday farmers market, local shopping, dining, coffee shops, ice cream, Sunrise Theater, parks, playgrounds, and tennis courts. Inside, the home features tall 10-foot ceilings on the main level, a spacious open layout, 2'' faux wood blinds, and a gourmet kitchen designed for everyday living and entertaining. With 4 generously sized bedrooms and 3.5 bathrooms, this thoughtfully designed floor plan offers plenty of room for guests, work-from-home needs, or additional flex space. A detached garage adds even more versatility and can be used as a home gym, workshop, studio, hobby space, or whatever best fits your lifestyle. This home also includes a 10-year home warranty, offering added peace of mind for the next owner. Thoughtfully designed and nearing the finish line, this is a great opportunity to enjoy new construction living close to everything downtown Southern Pines has to offer. Contact the listing agent for builder incentives and remaining selections still available to be chosen.

785 N May St, Southern Pines

Listing courtesy of Carolina Property Sales.

$895,000
4 Beds ⋅ 3 Baths ⋅ 100584261 MLS
A rare piece of Southern Pines history, this extraordinary residence is located in the Historic Weymouth District and represents the last remaining portion of what was once a four-lot estate designed in 1920 by noted New York architect George Cooke. Having studied art in Italy, Cooke envisioned the property as a guest residence within his larger estate, which once occupied much of the surrounding land. The main mansion, located on the adjacent property, was lost to a fire in the early 1940s, while the remaining estate structures were eventually removed to accommodate new development, leaving this home as the sole surviving piece of the original compound. Originally built as guest quarters, the home was designed without a kitchen, as meals were prepared in the main residence and delivered by household staff. The basement served as servant quarters, buggy storage, and a tack room. The home also showcased Cooke's personal art collection, complete with hand-painted murals, and welcomed distinguished guests and European dignitaries, making it a significant part of Southern Pines' architectural and cultural heritage. After decades of neglect, the current owners purchased the property in 2016 and embarked on an extensive restoration that thoughtfully preserved its historic character while seamlessly incorporating modern comforts. The home was taken down to the studs and meticulously rebuilt with restoration of the foundation walls and original basement posts and beams, all-new insulation, electrical, plumbing, and drywall completed between 2018 and 2019. Hardwoods throughout the home allow for a clean and easy flow. The beautifully designed custom kitchen and fully remodeled bathrooms were added in 2020, along with a new HVAC system (2020), creating a home that honors its past while meeting today's standards of comfort and functionality. The lower basement level is ideal for a shop with plenty of work space and/or storage. The extensive renovations were completed with such attention to detail that the updated spaces blend naturally with the original architecture, making it difficult to distinguish between old and new. Outside, mature azaleas, established shrubs, and thoughtfully maintained landscaping frame the home, adding seasonal color and complementing its historic setting. This one-of-a-kind residence offers an exceptionally rare opportunity to own a beautifully restored historic home with remarkable provenance and architectural significance. Nestled in one of Southern Pines' most sought-after historic neighborhoods and just a short walk to downtown, it effortlessly blends timeless character, rich history, and modern living.

650 E Indiana Ave, Southern Pines

Listing courtesy of Pines Sotheby's International Realty.

$749,000
4 Beds ⋅ 3 Baths ⋅ 100580757 MLS
A rare historic downtown Southern Pines home with genuine soul, thoughtful updates, and a story. A contributing structure within the National Register-listed Southern Pines Historic District, this circa-1915 home offers the rare combination of historic craftsmanship, thoughtful updates, generous storage, and walkable downtown living in the heart of Southern Pines. The National Register continuation sheet lists 360 S. Ashe St. as a contributing structure and specifically notes the screened porch, French doors, sash windows, rear additions, and central corbelled-cap chimney. Lovingly cared for and updated over the years as both a real home and an artist's studio, the home retains the warmth and craftsmanship that make older Southern Pines homes so special -- original hardwood floors, high ceilings, three fireplaces, French doors, built-ins, oversized windows, and architectural details that simply cannot be replicated in newer construction. This is not a neglected historic house waiting to be rescued; it is a soulful, livable home with original details still intact. For added buyer confidence, a professional pre-listing appraisal was completed on June 9, 2026 and valued the property at $781,000. The home's history adds another layer of charm. Local historians have connected the property to Dr. Ernest Poate, a physician, psychiatrist, and mystery novelist who wrote under the pen name Arthur Mallory -- a fitting 1930s chapter for a home in a town long loved by doctors, writers, artists, and creative professionals. That same creative spirit continues today in a house that has been home to an award-winning photographer for the past 20 years and has served as both a private residence and a place of inspiration. Inside, the home offers four spacious bedrooms, 2.5 bathrooms, and flexible living spaces with abundant built-in storage throughout. One of the most memorable features is the large banquette beside a dramatic wall of leaded-glass windows that open to the screened porch; an ideal spot for morning coffee, reading, casual dining, or gathering with friends. French doors connect the main living areas to the porch, while additional French doors from the primary suite open directly to the backyard, creating a graceful indoor-outdoor flow rarely found in historic downtown homes. The primary suite features a fireplace and large infinity tub, while the second main bath offers a classic clawfoot tub -- blending comfort, charm, and timeless Southern Pines style. Outside, the property reveals one of its most special features: a private and peaceful fenced backyard retreat in the middle of downtown. A picket-fenced front garden creates storybook curb appeal, while the backyard offers mature trees, garden space, and room to entertain, relax, or enjoy time with pets beneath the Carolina pines. As downtown living becomes increasingly dense, this property stands out for its sense of space - a setting that feels tucked away and serene while still being just a block from restaurants, coffee shops, Gulley's Garden Center, and downtown shops, with parks and the Sunrise Theater just a little farther beyond. A large basement provides valuable storage space not included in the heated square footage, adding practical flexibility that is especially rare in a historic home. More than just a house, this is a lovingly cared-for piece of Southern Pines history -- a warm, creative, and deeply livable home with original soul, thoughtful updates, rare outdoor space, and a story that belongs to the town itself.

360 S Ashe St, Southern Pines

Listing courtesy of NorthGroup.

$880,000
4 Beds ⋅ 2 Baths ⋅ 100578609 MLS
**NOW OFFERING A SELLER-PAID 2/1 RATE BUYDOWN** plus a **$2,500 lender credit** when financing through Rita Hairston with CrossCountry Mortgage, making this exceptional Downtown Southern Pines property even more affordable. 260 N Ridge Street is a well-maintained **1920 Dutch Colonial Revival**, thoughtfully expanded by Butler Constructs while preserving its original scale and character. The main floor flows naturally between a living room with a vented gas fireplace, separate dining room, spacious family room, and a cook's eat-in kitchen designed by ASID designer Denis McCullough, featuring eco-friendly countertops and Bosch appliances that remain with the home. A private main-floor office, newer mud/laundry room, and a full bath complete the 1,431-square-foot main level. Upstairs, four bedrooms, a bonus office nook, and a full bath offer peaceful, private space true to the home's 1920 character. A sketch is available illustrating the option to add a primary suite. Outside, a fully fenced patio and garden provide an exceptional, private space for entertaining, while the oversized detached garage offers flexibility as a workshop, gym, studio, or garage. The Town of Southern Pines has confirmed this corner lot can be split into **two additional buildable lots**--a rare, documented opportunity for a family compound, spec build, or income-producing investment in the heart of Downtown Southern Pines, just steps from shops and restaurants. Whether you are drawn to the character of the home, the private outdoor living, the confirmed development potential, or all three, this is a rare opportunity in Downtown Southern Pines. A recent home inspection is available, and all minor repairs have been completed.

260 N Ridge St, Southern Pines

Listing courtesy of Everything Pines Partners LLC.

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