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

$375,000
2 Beds ⋅ 2 Baths ⋅ 100589377 MLS
Old Wilmington charm, new just about everything else. If you've been dreaming of a downtown home without the endless list of repairs and renovations, this is the one. You'll be hard-pressed to find something that hasn't been updated in this beautifully renovated 2 bedroom, 2 bath home. Whether you're looking for a primary residence, a weekend getaway, or a turnkey investment opportunity this property checks all the boxes. It's being sold completely furnished, making it ready to enjoy or start generating income from day one. Nearly every major component has been improved, giving you the character of a classic downtown home without the typical maintenance concerns. Enjoy peace of mind with a 2022 metal roof, a 2024 HVAC system, new electrical, new plumbing, natural gas, and extensive renovations throughout. Beyond the beautiful finishes, this home was thoughtfully upgraded for efficiency as well. Foam board insulation behind the siding provides added energy efficiency and year-round comfort, helping keep utility costs low while adding another layer of quality you don't often find. Inside, you'll find a bright, inviting layout that blends modern finishes with timeless charm. Every space has been thoughtfully updated, creating a home that's as functional as it is beautiful. Located just minutes from downtown Wilmington's restaurants, shopping, entertainment, and the Riverwalk, this home offers the perfect combination of location, style, and convenience. Whether you're looking for a place to call home or a low maintenance investment property, this fully furnished, extensively renovated home is a rare opportunity you won't want to miss.

110 S 11th St, Wilmington

Listing courtesy of LIFE Properties.

$610,000
4 Beds ⋅ 3 Baths ⋅ 100587077 MLS
Welcome to this beautifully crafted home in Downtown Southern Pines, where timeless architecture meets modern design. A welcoming covered front porch opens to a thoughtfully designed interior featuring soaring beamed ceilings, pine flooring, abundant natural light, and quality finishes throughout. The open-concept main level is designed for both everyday living and effortless entertaining. The gourmet kitchen showcases a stunning whitewashed heart pine island with marble countertops, stainless steel appliances, a natural gas range, walk-in pantry, and a built-in laundry area. A spacious dining alcove filled with natural light creates the perfect gathering space, while the inviting living room features a cozy natural gas fireplace. The main-level primary suite is a peaceful retreat with a generous walk-in closet complete with a convenient laundry chute. The spa-inspired bath offers a soaking tub, tiled walk-in shower with rain head, double vanity, and private water closet. A stylish powder room and a drop zone complete the first floor. Upstairs, you will find three additional bedrooms, a dedicated office with glass doors, and a beautifully appointed full bath featuring double vanities and a tiled walk-in shower. A second laundry chute and pull-down attic stairs add everyday convenience. Outside, enjoy low-maintenance living with a detached two-car garage and shared driveway. Ideally located just blocks from the shops, restaurants, breweries, and parks of Downtown Southern Pines, the home is also convenient to the Weymouth Woods Boyd Tract and the Youngs Road equestrian corridor, making it a wonderful choice for walkers, runners, cyclists, and horse enthusiasts alike. Thoughtfully designed, this home offers the perfect blend of character, comfort, and the unbeatable Downtown Southern Pines lifestyle.

170 E Delaware Ave, Southern Pines

Listing courtesy of Everything Pines Partners LLC.

$695,000
4 Beds ⋅ 4 Baths ⋅ 100585657 MLS
Nearing completion with an anticipated completion date of August 15th, 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.

$780,000
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.

$699,000
3 Beds ⋅ 3 Baths ⋅ 100580234 MLS
Sometimes a property comes along that simply doesn't fit the typical mold--and this is one of them. Built in 2025 with meticulous attention to both design and livability, 455 West New Hampshire represents something increasingly rare in downtown Southern Pines: a genuinely spacious home where you can actually live, gather, and move freely. The main floor opens with intention. Nine-foot ceilings catch the light and create an airy sense of space that belies the downtown location. The kitchen is the heart--grey and nutmeg cabinetry paired with white veined quartz, a substantial island for both cooking and conversation, and an adjoining butler's pantry that speaks to how thoughtfully this home was designed. There's a wine fridge here, overflow cabinets, and room to breathe. The family room and dining area flow together seamlessly, all of it anchored by an electric fireplace with tile surround and mantle. This is a first floor built for a family that actually gathers, or for someone who loves to host. The master suite upstairs is exceptional in both scale and detail--a walk-in closet that functions like a dressing room, a shower that you'll actually look forward to using, and a double vanity that doesn't force compromise. Two additional bedrooms, a laundry room, and a hall bath complete the upper level. And then there's the two-car attached garage. In downtown. This alone changes how you actually live here--no street parking, no weather worries, no compromise. At 2,758 square feet, with a location three blocks from everything downtown has to offer, this home is priced BELOW what the recent market supports. The seller is ready. The showing process is straightforward. This is the kind of value that doesn't stay available long.

455 W New Hampshire Ave, Southern Pines

Listing courtesy of Front Runner Realty Group.

$245,000
2 Beds ⋅ 1 Baths ⋅ 100579765 MLS
Cute rambler ocated in the heart of Downtown Wilmington, NC. Perfect for someone that does not want an HOA on a larger lot with building ability but still located downtown. Listed more that $15,000 less than the current appraisal gives you wiggle room to make it your own. Whether you are a first-time homebuyer looking for the perfect starter home or an investor seeking a high-potential rental property, this move-in-ready residence is packed with value and endless possibilities.The Home has a functional layout features:2 Comfortable Bedrooms: Nice-sized rooms filled with natural light.Spacious Living & Dining Rooms with open spaces perfect for entertaining or relaxing. Kitchen efficiently designed to maximize storage and workflow.Painted in a neutral palette for effortless personal updating, featuring brand-new, durable PVC flooring installed in 2026. Enjoy peace of mind with a roof installed in 2014 and an HVAC system from 2015.Situated on a quiet street, the extra large lot: A large fenced lot offering ultimate privacy and expansion potential.. A large back deck overlooks the private yard, ideal for grilling and outdoor dining.The side yard conveniently offers dedicated, off-street parking for one vehicle.This home places you only 3 blocks away from one of the city's trendiest hubs, the Cargo district, w/ local businesses, coffee shops, and creators.Easy walking distance to downtown Wilmington's shops, dining, vibrant nightlife, and community events.The front of the home faces the open green space of the local middle school football field. Community pool and gym on 8th St.

417 S 13th St, Wilmington

Listing courtesy of Fritz Realty LLC.

$880,000
4 Beds ⋅ 2 Baths ⋅ 100578609 MLS
The Town of Southern Pines has confirmed that 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, steps from shops and restaurants. The existing home 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 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, a newer mud/laundry room, and a full bath complete the 1,431-square-foot ground 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 entertaining space, and the oversized detached garage offers real potential as a workshop, gym, or studio, in addition to housing one car. Whether you're drawn to the character of the existing home, the confirmed development upside, or both -- this is a rare combination in Downtown Southern Pines. A recent home inspection is available with all minor repairs completed.

260 N Ridge St, Southern Pines

Listing courtesy of Everything Pines Partners LLC.

$599,000
2 Beds ⋅ 2 Baths ⋅ 100575278 MLS ⋅ Downtown BLDG.
Don't miss the opportunity to own this unique boutique condo in the heart of Historic Downtown Wilmington. Located just one block from the popular Riverwalk, this two-level, circa-1890 home blends historic charm with thoughtful modern updates. The first-level living area features hardwood floors, and an open layout that connects the kitchen, dining, and living spaces. The kitchen is outfitted with matching stainless steel appliances, a recirculating hood, shelving, granite countertops, and finishes designed with vacation rental accommodations in mind. The home also includes updated light fixtures, porcelain tile flooring in the kitchen and bathrooms, and hardwood flooring on the stairs and throughout the upstairs bedrooms. A back door opens to a private courtyard, offering a charming outdoor space perfect for relaxing, dining, or entertaining. Upstairs, the spacious primary bedroom features a walk-in closet and natural light from a skylight, while the second bedroom overlooks the living area and offers large windows with great views and abundant natural light. The full bathroom includes a double vanity, shower/tub combination, and an overhead skylight. Currently operating as an active vacation rental on all major booking platforms, this property offers both immediate rental potential and the best of downtown Wilmington living. Urban charm, historic character, and investment opportunity all come together in one exceptional home.

29 S Front St Unit Apt A, Wilmington

Listing courtesy of Cadence Realty Corporation.

$517,900
3 Beds ⋅ 4 Baths ⋅ 100571616 MLS
**8,000 Seller concession + Fridge and Blinds** Discover the Townhomes on Bennett. Conveniently located in the heart of downtown Southern Pines with its 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 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!

104 Lexington Ln, Southern Pines

Listing courtesy of Ascot Realty Inc..

$252,500
3 Beds ⋅ 2 Baths ⋅ 100568655 MLS
Welcome to 928 South 10th Street--an affordable and well-kept home offering a great opportunity for first-time buyers to get into the Wilmington market. This 3-bedroom, 2-bath home features a practical single-level layout with a comfortable living area and a natural flow into the dining space. The kitchen provides plenty of cabinet and counter space, along with a center island for added functionality. The dining area is filled with natural light, creating a bright and welcoming spot for everyday meals. The primary bedroom includes its own private bath and walk-in closet while two additional bedrooms offer flexibility for guests, a home office, or extra space as needed. A separate laundry area adds everyday convenience. Outside, you'll find a manageable yard that's easy to maintain without a lot of upkeep. Located just a short drive to downtown Wilmington, shopping, and restaurants, this home offers a solid combination of value and location. A great option for buyers looking for a simple, move-in ready home without breaking the budget.

928 S 10th St, Wilmington

Listing courtesy of Keller Williams Innovate-Pleasure Island.

$499,000
3 Beds ⋅ 2 Baths ⋅ 100563447 MLS
$6,000 Price Improvement! Welcome home to a hidden treasure in the heart of Downtown Southern Pines! The character and vibe of this 1930's cottage says it all from the original hardwood & brick floors to the craftsmanship of the Heart Pine wood-paneled LR walls, built-ins, rustic wood beams and slate roofs! The detached third-bedroom guest cottage offers a full bath, refrigerator & storage with privacy for family and guests. Perfect space for multipurpose use or an in-law suite! The charming main cottage offers 2 spacious BR's, each with walk in closets. A hallway butler's pantry houses kitchen items and other storage needs. Charming dining room overlooks a landscape filled with delightful seasonal colors and sounds! Outdoor living is an absolute treat on the spacious screened porch with quick access to living, dining and kitchen. Relax by the warmth of a natural gas fireplace, surrounded by cozy Heart Pine wood paneled living room walls. New energy efficient windows are found throughout the home! A secret English garden will delight your senses...where snapdragons keep company with ripening tomatoes on the vine. The home's gardens and lawn are beautifully maintained with an irrigation system throughout the landscape. Original brick lattice fencing frame heritage plantings, flowers and flowering shrubs and trees. Raised planting beds with young plants await summer's bountiful harvest. Enjoy an ever changing backdrop of lovely smells, colors and the sounds of nature from an inviting screened porch. A privacy fence surrounds the landscaped yard and detached storage shed, perfect for garden and/or workshop space. A brick lattice wall anchors the newer brick patio and was created to preserve the character of the original brick lattice fencing. Ample parking includes a circle drive and side parking for both the main & guest cottages! Enjoy all the conveniences of living within the vibrant Downtown community where shopping, restaurants and parks are just minutes away! Call for your personal tour of this unique property today! You'll leave with a feeling of home!

370 E Morganton Rd, Southern Pines

Listing courtesy of Sandhill Realty/Aberdeen.

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