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15420 Cimarron Hills Ln, Charlotte, NC, 28278

5beds
4baths
3,839sqft
$858,000
$223price/sqft
$5,180/moest. monthly cost
$207,200/yrincome needed

About This Home

*** Seller is offering $10,000 towards rate buy down or buyers closing costs with acceptable offer.*** Nestled on a quiet cul-de-sac in the gated Montage section of the amenity-rich The Palisades, this exceptional home enjoys a prime setting along the award-winning Jack Nicklaus Signature Golf Course at The Palisades with a deep tree save and level lot offering both beauty and privacy. A charming front porch welcomes you into an elegant interior, featuring a private French-door study opposite the formal living and dining rooms. The gourmet kitchen is designed for entertaining, featuring an oversized granite island, single-bay stainless-steel sink, gas cooktop, wall oven, abundant cabinetry, and a breakfast area enhanced by custom-built-ins that open to a screened porch overlooking the expansive paver patio, mature landscaping, and a tranquil waterfall feature. The sun-filled great room is anchored by a gas fireplace and framed by a wall of windows that flood the space with natural light. The luxurious main-level primary suite offers a tray ceiling, dual vanities, a soaking tub, and a glass-enclosed shower. Upstairs provides exceptional flexibility with a loft, three spacious secondary bedrooms, and a bonus/fifth bedroom option. Bedrooms two and three share a Jack-and-Jill bath, while bedrooms four and five access a hall bath. Residents of The Palisades enjoy resort-style amenities including a clubhouse, pool, fitness center, tennis and pickleball courts, playgrounds, walking trails, and a vibrant social lifestyle just minutes from Lake Wylie and Uptown Charlotte.

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
34
BikeSomewhat Bikeable

Schools

9/10
2/10
Southwest Middle SchoolGrades 6-83.9 mi
6/10
Palisades High SchoolGrades 9-112.0 mi

Construction

Condition

  • Year built: 2016

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Electric Oven,Exhaust Hood,Gas Cooktop,Plumbed For Ice Maker,Tankless Water Heater,Wall Oven
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Features

  • Window features: Insulated Windows
  • Flooring: Carpet,Hardwood,Tile
  • Fireplace features: Gas Log,Great Room
  • Finished area below ground: 0
  • Finished area above ground: 3,839

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,Natural Gas,Zoned
  • Cooling features: Central Air,Zoned

Interior Area

  • Total structure area: 3,839
  • Total interior livable area: 3,839 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Loft

  • Level: Upper

Other

  • Level: Upper

Primary Bedroom

  • Level: Main

Study

  • Level: Main

Property

Details

  • Parcel number: 21719439
  • Zoning: MX-3
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Front Porch,Rear Porch,Screened
  • Fencing: Back Yard,Fenced

Lot

  • Lot size: 0.33 Acres
  • Features: Cul-De-Sac,On Golf Course

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Tornado

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 $4,338$52,056
Home Insurance *$257$3,084
Property Taxes $228$2,736
Electricity $357$4,290
Total$5,180$62,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$177,600/yr
40% on housing$155,400/yr
45% on housing$138,133/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

$223This listing

vs Other Active Listings

Avg $/sqft

ZIP 28278$225
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
2026-08-14Price change$848,000
2026-05-11Listed for sale$858,000
2019-05-02Sold$540,000
2019-04-03Pending sale$549,000
2019-03-21Listed for sale$549,000

For Sale by Agent

AgentAnn-Dorthe Havmoeller
BrokerageHoward Hanna Allen Tate Charlotte South

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