Belmont Homes under $400,000

Welcome to Belmont, North Carolina – a charming city that perfectly blends small-town warmth with modern conveniences. Nestled along the banks of the Catawba River in Gaston County, Belmont boasts a rich history, vibrant community, and stunning natural landscapes. With its picturesque downtown area featuring unique shops, delightful eateries, and beautiful parks, Belmont is an ideal place for families, young professionals, and retirees alike.

One of the most appealing aspects of Belmont is its diverse housing market, particularly for those seeking homes under $400,000. Whether you're a first-time buyer or looking to downsize, Belmont offers a variety of options that cater to different lifestyles and budgets. From quaint bungalows and cozy townhomes to spacious single-family residences, you'll find properties that reflect the charm of the area while providing modern amenities.

Belmont's prime location also allows residents to enjoy easy access to nearby Charlotte, making it a perfect spot for commuters. The city is known for its top-rated schools, friendly neighborhoods, and a plethora of recreational activities. Enjoy weekends exploring the scenic trails of the nearby Catawba River or relaxing at one of the local parks.

With its affordable housing options and welcoming community spirit, Belmont is not just a place to live; it’s a place to thrive. Discover your dream home in this enchanting city where Southern hospitality meets contemporary living. Come and see why Belmont is the perfect place to call home!

Newest Belmont Homes under $400,000

$389,900

4 Beds ⋅ 2 Baths ⋅ 4435275 MLS ⋅ ACTIVE Status

Attention Investors! Great property to consider! within walking distance to Belmont's New Up and Coming Waterfront Village Center. This home features 4 bedrooms 2 full baths, Lg Primary Suite with it own full private bath. The other three bedrooms are very spacious also, Large and spacious living room, Lg Kitchen with plenty of cabinets and counter space. Formal Dining Room Spacious laundry room with plenty of storage. Plus a lg above ground pool with a wrap around deck, spacious pool house wired and bathroom. storage building, large lot beautifully landscaped.

107 Piedmont Road, Belmont

Listing courtesy of Buddy Harper Team Realty. bharper1@carolina.rr.com

$325,000

4 Beds ⋅ 2 Baths ⋅ 4434646 MLS ⋅ ACTIVE Status

One-level living at its finest -- convenient to shopping and restaurants and Lake Wylie. You'll love all the indoor/outdoor living options. You'll love to cook in the updated kitchen with granite countertops, white cabinets and classic subway tile backsplash. Friends and family will love to gather in your ginormous 24x13 vaulted great room featuring a beautiful brick fireplace and exposed wood beams in the cathedral ceiling. Great natural light beams off the beautiful LVP floors. Fresh paint and new carpet in bedrooms. With 4 bedrooms plus a home office, there is plenty of room for the family to spread out. Love outdoor living? You can sit on your 27x9 covered front porch to watch the world go by or host the biggest BBQ on your 390-sf back deck overlooking your fenced-in backyard. You also have TWO storage sheds PLUS a 205-sf workshop for all your tools, hobbies and, well, "stuff." ... Super convenient to restaurants and shopping -- 1/4 mile to future Publix, 1 mile to Twin Tops Fish Camp, Ray Nathan's BBQ joint, ABC Store and more. ... 5 min. to Downtown Cramerton. 10 min. to Downtown Belmont. 5 min. to Lake Wylie.

102 Roxie Lane, Belmont

Listing courtesy of Keller Williams South Park. barry@reeveshometeam.com

$399,000

3 Beds ⋅ 3 Baths ⋅ 4434166 MLS ⋅ ACTIVE Status

OPEN HOUSE: SAT 1-3pm & SUN 11-1pm SPACE....TURNKEY....NO HOA...Welcome to this like-new home built in 2024 and meticulously maintained. Step inside to an open-concept floor plan with LVP flooring, tons of natural light, and an easy flow from the living room to a dining area with room for a large table. The kitchen is the heart of the home, with a large island, quartz countertops, soft-close cabinets, abundant counter and storage space, and a large window overlooking the backyard. A half bath and a mud room with storage complete the main level. Upstairs are three bedrooms and two full baths, including a bright primary suite with a walk-in closet and an en-suite bath with a quartz double vanity and tiled shower. Out back, the deck overlooks a large, flat, fully fenced yard backed by woods, complete with a fire pit for morning coffee or evenings with friends. Like-new condition, room to spread out, and quality finishes throughout. This one checks every box!

302 Cherry Street Unit #255, Belmont

Listing courtesy of EXP Realty LLC Ballantyne. 415-519-9458

$279,000

3 Beds ⋅ 2 Baths ⋅ 4432644 MLS ⋅ ACTIVE Status

This charming, move in ready, home in Belmont, NC offers 3 bedrooms, 2 full bathrooms, and an extra-wide, covered front porch, perfect for rocking chairs and relaxing evenings. Beautiful, hardwood floors in the living room and hallway were recently sanded and stained in 2026. The bedrooms also have hardwood flooring. Crown molding throughout most of the home! Some of the recent upgrades include a new electric water heater in 2026 and new vanity in hall bathroom. New blinds throughout and new ceiling fans in living room and front bedroom. Kitchen features stainless steel appliances, new LVP flooring in 2026, and plenty of cabinet space! The large, level, backyard is surrounded by a privacy fence and includes a fire pit and gazebo for gathering with friends. A wired storage building provides convenient space for tools, hobbies, or extra storage. Enjoy inviting outdoor spaces and the character of a classic mill home! Easy access to grocery shopping, downtown Mt. Holly, McAdenville, and a short drive to downtown Belmont.

1501 Perfection Avenue, Belmont

Listing courtesy of Premier South. tswilsonrealtor@gmail.com

$275,000

2 Beds ⋅ 3 Baths ⋅ 4431055 MLS ⋅ ACTIVE Status

Discover the perfect blend of modern comfort, convenience, and low-maintenance living at 610 Sweet Bonnie Lane! Built in 2021, this townhome has the appeal of newer construction. This inviting 2 bedroom, 2.5 bath townhome offers a wonderful opportunity for first-time homebuyers, busy professional, down sizers or anyone looking to enjoy a comfortable home in a convenient location. 610 Sweet Bonnie Lane, is ideally located near I-85 to allow travel to I-485 and I-77. With an easy commute to Uptown Charlotte, traveling to Charlotte Douglas International airport or heading to nearby Gastonia and surrounding communities, is a breeze. CaroMont Health, Catawba Heights Animal hospital, the McGill Family YMCA, River Park District, and Belmont Abby are all close by. Belmont offers a desirable combination of small-town charm and access to shopping, dining, and entertainment throughout. Schedule an appointment and come see his beautiful home!

610 Sweet Bonnie Lane, Belmont

Listing courtesy of Real Broker, LLC. rennick0321@gmail.com

$375,000

3 Beds ⋅ 3 Baths ⋅ 4431894 MLS ⋅ ACTIVE Status

There’s something special about living where neighborhood streets are shaded by mature trees, parks and trails are within walking distance, and an afternoon can mean heading into downtown Cramerton for dinner, coffee, or a glass of wine. Located on the border of Belmont and Cramerton,this established neighborhood offers just that—a sense of community, outdoor recreation, and small-town charm, all close to home. Set behind a classic rocking-chair front porch, this two-story home offers 3 bedrooms, 2.5 baths and a comfortable layout with plenty of opportunity to make it your own. Hardwood floors run through much of the main living area, where a spacious living room with a fireplace (options to use as gas or wood burning) provides a welcoming gathering place. A separate dining room gives you room for holidays and dinners with friends, while a convenient half bath serves guests. Just inside the side entrance, a dedicated laundry and drop zone creates a practical landing spot for everyday life. Upstairs, you’ll find all three bedrooms and two full baths. Outside, the large fenced backyard offers plenty of room for pets, play, gardening or entertaining, while an established peach tree in the front yard adds a little something special to the property. And then there’s the location. Downtown Cramerton is about a mile away, putting local restaurants, coffee and ice cream, wine, kayaking and community events within easy reach. Goat Island Park is less than a mile away with playgrounds, picnic shelters, fitness areas, disc golf and more. Rocky Branch Park and its hiking and mountain biking trails are accessible nearby, while the River Link Greenway runs behind the neighborhood as part of the Carolina Thread Trail. The home offers an opportunity for its next owner to add their own style and updates over time, but so much of what makes a property special is already here: a large yard, an established tree-lined neighborhood and a location that makes it easy to get outside, connect with the community and enjoy everything this corner of Belmont has to offer.

419 Holly Drive, Belmont

Listing courtesy of Keller Williams Connected. Kim@Bigach2Follow.com

$249,000

3 Beds ⋅ 1 Baths ⋅ 4432164 MLS ⋅ ACTIVE Status

Completely renovated and MOVE-IN READY in Belmont! This beautifully updated 3-bedroom, 1-bath home delivers a fresh modern feel from the moment you walk in. The stunning kitchen features custom cabinetry, stone countertops, and stainless steel appliances, while the fully renovated bathroom offers stylish finishes and a tub/shower combination. Outside, enjoy a fully fenced backyard with plenty of room to relax, entertain, or play. Multiple outbuildings provide excellent storage, workshop space, or endless possibilities, and the covered front porch adds the perfect finishing touch. Beautifully renovated, move-in ready, and packed with potential—this Belmont home is one you don’t want to miss

115 Adcock Street, Belmont

Listing courtesy of Better Homes and Garden Real Estate Paracle. Tony@Tonykarakrealty.com

$169,900

2 Beds ⋅ 1 Baths ⋅ 4431710 MLS ⋅ ACTIVE Status

Opportunity in Belmont! Welcome to 109 Walnut Avenue—a charming 2-bedroom, 1-bath home with a great head start and plenty of potential to make it your own! Many of the big-ticket improvements have already been completed, including HVAC, electrical, plumbing, roof and windows, allowing the next owner to focus on the finishing touches. Inside, the walls have been patched and are ready for fresh paint, with some trim and cosmetic work remaining. Step outside and enjoy the beautiful new front deck, or relax and entertain in the private, fenced backyard. With no HOA and a convenient Belmont location, this home offers a wonderful opportunity for a buyer looking to add their own style without starting from scratch. Whether you're searching for a home of your own or your next investment, 109 Walnut is ready for its next chapter! SOLD AS IS. This home is priced accordingly and offers an excellent opportunity for buyers looking to add their own personal finishing touches. The property is in need of some cosmetic updates and finishing work, allowing you to make it your own and add value through your improvements. Great opportunity for an investor, renovator, or buyer looking for a home with potential.

109 Walnut Avenue, Belmont

Listing courtesy of RE/MAX Executive. jeanne.swidorski@homevestors.com

$349,000

3 Beds ⋅ 2 Baths ⋅ 4431571 MLS ⋅ ACTIVE Status

Welcome to 47 Linford St, in Belmont, NC. This inviting residence accords 3 spacious bedrooms and 2 full bathrooms, providing ample space for comfortable living. Spanning 1,270 square feet, the home is thoughtfully designed to maximize space and functionality. Situated on 0.18 acres, with a fully fenced back yard, there is plenty of room for pets, outdoor activities and landscaping possibilities. Amenities include wood, tile and carpet flooring, granite countertops, cherry cabinets, and stainless appliances. Two bedrooms at front with centrally located bath. Larger Master Bedroom at back, with upgraded walk-in shower and two walk-in closets. Abundant storage space, active alarm system, ample paved parking, and outdoor storage shed. Zero HOA fees. No power outages - 24kw Generac Full-house Backup Generator. Linford Park neighborhood. Quiet, small town setting, but convenient to major commuter routes, I85, Hwy 74, and 485. Near shopping, medical facilities, dining, and entertainment.

47 Linford Street, Belmont

Listing courtesy of Beycome Brokerage Realty LLC. Broker@Beycome.com

$308,000

3 Beds ⋅ 3 Baths ⋅ 4430616 MLS ⋅ ACTIVE Status

Step right in to our Carlton home! This new two-story end unit townhome offers 3 generous bedrooms and 2.5 baths. The first floor features an open design with kitchen island complete with extra seating. Quartz counters, tile backsplash and LVP flooring throughout the main level are just a few of the extras included in this home. Large family room area and dining area are ideal for meals and relaxation. There is also ample space for a desk area. The owner’s suite is upstairs along with two secondary bedrooms. Everything's Included program means you will get quartz or granite kitchen countertops, subway tile backsplash, all kitchen appliances included, ceramic tile shower, luxury vinyl plank flooring on the stairway and window blinds at no extra cost! Even high speed Internet is included in your HOA dues! Redhawk is a master-planned community suited for all ages, offering resort-style living. Amenities planned include two story clubhouse, two swimming pools, playgrounds, tennis and pickleball courts, dog park, disc golf and much more! Located right near downtown Belmont, 30 minutes from Uptown Charlotte and 22 minutes from Charlotte Douglass airport.

1243 Nighthawk Way Unit #226, Belmont

Listing courtesy of Lennar Sales Corp. ursula.panizo@lennar.com

$277,500

2 Beds ⋅ 3 Baths ⋅ 4429343 MLS ⋅ ACTIVE Status

Wonderful Starter Home or Investment Opportunity! Welcome home! This charming property offers an excellent opportunity for a first-time homebuyer, possibly an investment property, or anyone looking for a comfortable home in a convenient location. Situated in a neighborhood with quick access to major freeways and easy access to the airport, this home makes commuting and weekend getaways a breeze. Enjoy everything nearby downtown Belmont has to offer, including its rich history, local dining, unique shops, and inviting small-town atmosphere. Just a short distance away, the Catawba River provides opportunities to enjoy peaceful walks along the riverfront and the beauty of the outdoors. Inside, you’ll find two generously sized bedrooms upstairs, along with convenient laundry facilities. The main level offers a comfortable space to relax and unwind after a long day at work or return home to after a weekend adventure. Whether you're looking for your first home, a possible investment property, or a place to call your own, this home is ready for its next chapter. Make this one yours!

536 Dorman Street, Belmont

Listing courtesy of ERA Live Moore. patrick.gormanrealty@gmail.com

$204,995

2 Beds ⋅ 1 Baths ⋅ 4429515 MLS ⋅ ACTIVE UNDER CONTRACT Status

This well-located Belmont home features a newer HVAC system, newer roof, and an encapsulated crawlspace. The property offers a comfortable layout with functional living spaces and a manageable lot, along with public water and sewer for everyday convenience. Situated in an established residential setting within a desirable school district, the home provides convenient access to shopping, dining, major roads, and the amenities of downtown Belmont. Its location also offers an easy commute to surrounding areas while keeping Belmont's local conveniences close by. A great opportunity to enjoy a recently updated home in a convenient location. Schedule a showing to see it in person.

115 Lambert Street, Belmont

Listing courtesy of Carolina Real Estate Experts The Dan Jones Group. dan@myhomecarolinas.com

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