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522 Iron Horse Ln, Midland, NC, 28107

5beds
4baths
4,156sqft
$699,000
$168price/sqft
$4,549/moest. monthly cost
$181,960/yrincome needed

About This Home

Welcome to your stunning 5-BR (plus a bonus room that can be a 6th!), 4-BA Craftsman masterpiece in the highly coveted Cedarvale Farms! Offering 4,156 sq. ft. of luxury living, this home blends high-end architectural detail with incredible versatility—all while enjoying Low Cabarrus County taxes and top-rated Hickory Ridge schools. The main level greets you with an airy open floor plan, heavy crown molding, and a convenient guest suite with a full bath. The chef’s kitchen is a true showstopper, featuring granite countertops, tile backsplash, gas double ovens, and a massive center island perfect for entertaining. Recent updates make this home feel like new: Freshly painted interior rooms, brand-new carpeting in secondary bedrooms, and those signature site-finished hardwoods flowing throughout the living room, both sets of stairs, upstairs hallway, bonus room, and the entire primary suite (including the closet!). The 2nd-floor primary retreat is a sanctuary of its own, boasting a tray ceiling and a spa-like bath with a garden tub and dual granite vanities. The Standout Feature: A fully finished 1005 sq. ft. walk-out basement apartment! Ideal for an in-law suite or young adults, it features a full kitchen (all appliances convey), living/dining areas, a full bath, a bedroom, and ample unfinished storage. Outdoor Living at its Finest: Relax on the rocking chair front porch or head to the back deck, where stairs lead down to a beautiful flagstone hardscape. The nice-sized, fenced backyard backs to mature trees, providing exceptional privacy. Community & Location: Cedarvale Farms is more than a neighborhood; it’s a lifestyle! Enjoy the active social committee, a sparkling community pool (now open!), a peaceful fishing pond, tot lots, and a picnic area. You are just minutes from the new Publix, I-485, and the best dining/shopping in Mint Hill, Harrisburg, and Concord. With an over-sized garage and every upgrade imaginable, this is the one you’ve been waiting for!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

9/10
Bethel ElementaryGrades PK-53.1 mi
10/10
Hickory Ridge MiddleGrades 6-84.4 mi
6/10
Hickory Ridge HighGrades 9-124.3 mi

Construction

Condition

  • Year built: 2013

Materials

  • Construction materials: Hardboard Siding,Stone Veneer

Other

  • Builder name: Bonterra

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Oven,Electric Range,Exhaust Fan,Gas Oven,Gas Range,Microwave,Plumbed For Ice Maker
  • Laundry features: Electric Dryer Hookup,Laundry Room,Upper Level

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Partially Finished,Storage Space,Sump Pump,Walk-Out Access,Walk-Up Access

Bathroom Full

  • Level: Main

Bathroom Full

  • Features: Garden Tub,Walk-In Closet(s)
  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Basement

Bedroom S

  • Features: Ceiling Fan(s)
  • Level: Main

Bedroom S

  • Features: Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper

Bedroom S

  • Features: Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper

Bedroom S

  • Features: Ceiling Fan(s)
  • Level: Basement

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bedrooms: 1

Family Room

  • Features: Ceiling Fan(s)
  • Level: Basement

Features

  • Breakfast Bar,Soaking Tub,Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s),Walk-In Pantry
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Gas Log,Living Room
  • Attic: Pull Down Stairs
  • Finished area below ground: 1,005
  • Finished area above ground: 3,151

Heating & Cooling

  • Heating features: Central,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,151
  • Total interior livable area: 4,156 sqft

Kitchen

  • Features: Breakfast Bar,Kitchen Island,Open Floorplan,Walk-In Pantry
  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Features: Ceiling Fan(s)
  • Level: Main

Other

  • Level: Basement

Other

  • Features: Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper

Primary Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Tray Ceiling(s)
  • Level: Upper

Study

  • Level: Main

Property

Details

  • Parcel number: 55257455920000
  • Zoning: Res
  • Special condition: Standard
  • Exclusions: shell light fixtures in bedroom and closet

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Deck,Front Porch,Patio,Porch,Rear Porch
  • Has spa: Yes
  • Spa features: Heated
  • Fencing: Back Yard

Lot

  • Lot size: 0.28 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Electric Vehicle Charging Station(s),Attached Garage,Garage Door Opener,Garage Faces Front,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Cold Wave
Lightning
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters in Cabarrus County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,534$42,408
Home Insurance *$262$3,144
Property Taxes $366$4,392
Electricity $387$4,645
Total$4,549$54,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,965/yr
40% on housing$136,470/yr
45% on housing$121,306/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 28107$287
Cabarrus County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 28107$187
Cabarrus County$199

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-06Listed for sale$730,000
2022-05-10Sold$645,000
2022-04-07Contingent$600,000
2022-04-07Listed for sale$600,000
2019-06-10Listing removed$380,000
2019-06-10Listed for sale$380,000
2019-06-06Sold$375,000
2019-04-21Pending sale$380,000
2019-03-23Price change$380,000
2018-11-30Price change$390,000
2018-11-21Listed for sale$400,000
2018-11-17Pending sale$400,000
2018-11-14Listed for sale$400,000
2018-10-25Sold$375,000
2018-07-31Price change$384,900
2018-06-18Price change$399,900
2018-05-22Price change$409,900
2018-04-28Listed for sale$419,900
2014-08-08Sold$345,900

For Sale by Agent

AgentErica Blazer
BrokerageKeller Williams Ballantyne Area

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