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12722 Rusty Blackbird Way, Charlotte, NC, 28278

5beds
4baths
3,868sqft
$799,900
$207price/sqft
$5,250/moest. monthly cost
$210,000/yrincome needed

About This Home

Multigenerational Living with a perfect blend of luxury, comfort, and lake living at 12722 Rusty Blackbird Way in the highly sought after Chapel Cove community, nestled along the scenic shores of Lake Wylie. More than just a neighborhood, Chapel Cove offers a true lifestyle with lake access, allowing residents to launch kayaks and canoes, explore the peaceful shoreline, or simply enjoy the beauty of one of the Charlotte area's most desirable lakes. This exceptional home welcomes you with 10 foot ceilings, hardwood laminate flooring throughout the main level, and an open, light filled floor plan designed for both everyday living and effortless entertaining. The gourmet kitchen is a chef's dream, featuring a gas cooktop, vented range hood, stainless steel appliances, abundant cabinetry, and generous prep space. Entertain with ease in the elegant formal dining room with a butler's pantry, or gather around the stunning floor to ceiling stone fireplace that anchors the spacious great room. The adjoining sunroom offers the perfect place to relax while enjoying natural light year round. The luxurious primary suite is a private retreat featuring a spacious sitting room and a spa inspired bath complete with a large walk in shower with a rainfall shower head, a soaking tub, and generous walk in closet space. Additional highlights include a desirable courtyard entry three car garage, spacious secondary bedrooms, and quality craftsmanship throughout. Life in Chapel Cove is all about enjoying the outdoors and exceptional amenities. Residents have access to a beautiful clubhouse, fitness center, resort style outdoor pool, tennis & pickleball courts, playground, basketball courts, and miles of sidewalks perfect for walking or biking. Best of all, you'll enjoy private community access to Lake Wylie, where you can launch your kayak or canoe and spend your days paddling, fishing, or taking in spectacular waterfront sunsets, a rare amenity that truly sets Chapel Cove apart. Conveniently located just minutes from premier shopping, dining, Charlotte Douglas International Airport, and I 485, this remarkable home offers the perfect combination of luxury, recreation, and the unmatched lifestyle of lakeside living. Current $1,000,000 termite bond in place from new construction, can be continued for a $250 transfer fee and $44 per month. Home wired for future surround sound. Check out the photos of the spectacular wildlife that visits the pond this home backs up to. It’s an incredible setting and one of the things that makes this property so special. The garage was originally sold as a 3-car setup — one attached 1-car stall and one attached 2-car stall. The 2-car stall came in at 777 sq ft, which is plenty of room to fit a 3rd car (or similar-sized vehicle) comfortably, or to turn into a workshop instead.

Getting Around

9
WalkingCar-Dependent
0
TransitNo Nearby Transit
8
BikeSomewhat Bikeable

Schools

9/10
Winget Park ElementaryGrades PK-51.0 mi
2/10
Southwest Middle SchoolGrades 6-82.6 mi
6/10
Palisades High SchoolGrades 9-113.4 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Slab
  • Construction materials: Brick Partial,Fiber Cement,Stone Veneer

Other

  • Builder name: Pulte

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Filtration System,Gas Cooktop,Microwave,Refrigerator with Ice Maker,Self Cleaning Oven,Wall Oven
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Upper

Breakfast

  • Level: Main

Features

  • Attic Other
  • Flooring: Carpet,Laminate,Tile
  • Fireplace features: Family Room
  • Attic: Other
  • Finished area below ground: 0
  • Finished area above ground: 3,868

Heating & Cooling

  • Heating features: Central,Forced Air,Natural Gas,Zoned
  • Cooling features: Ceiling Fan(s),Central Air,Dual,Electric

Interior Area

  • Total structure area: 3,868
  • Total interior livable area: 3,868 sqft

Kitchen

  • Features: Kitchen Island,Open Floorplan
  • Level: Main

Laundry

  • Level: Main

Office

  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Level: Upper

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 19916137
  • Zoning: MX-1(INNOV)
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Covered,Front Porch
  • Waterfront features: Other - See Remarks

Lot

  • Lot size: 0.26 Acres
  • Features: Level,Open Lot,Other - See Remarks

Parking

  • Total spaces: 4
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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 FloodingModerate

How This Home’s Risks Compare

Inland Flooding

FEMA Declared Disasters in Mecklenburg 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 $4,044$48,528
Home Insurance *$240$2,880
Property Taxes $606$7,272
Electricity $360$4,323
Total$5,250$63,000
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$180,000/yr
40% on housing$157,500/yr
45% on housing$140,000/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: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$207This listing

vs Other Active Listings

Avg $/sqft

ZIP 28278$226
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28278$214
Mecklenburg County$238

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
2026-08-07Listed for sale$799,900
2020-06-26Sold$534,735
2019-12-25Listing removed--
2019-11-28Listed for sale--

For Sale by Agent

AgentJohn DiCristo
BrokerageIvester Jackson Christie's

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