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1150 Oak Trail Cir, Concord, NC, 28025

3beds
4baths
3,352sqft
$998,000
$298price/sqft
$6,289/moest. monthly cost
$251,560/yrincome needed

About This Home

Luxury meets peaceful country living in this exceptional custom-built home nestled on a private, wooded estate. Designed for both everyday comfort and unforgettable entertaining, this property features a resort-style in-ground pool, expansive covered back porch with a stunning stone fireplace, and beautifully landscaped grounds with winding paths leading to a secluded fire pit retreat. Inside, you'll find an open, light-filled floor plan, soaring ceilings, elegant finishes, and a luxurious primary suite featuring a spa-inspired bath with oversized tile shower, soaking tub, and custom walk-in closet. A well-appointed drop zone and home office nook add everyday convenience. Enjoy the perfect balance of privacy and accessibility, with abundant outdoor space, mature trees, and room to relax, entertain, or explore. This one-of-a-kind property offers the lifestyle you've been dreaming of—all in a breathtaking setting.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
1
BikeSomewhat Bikeable

Schools

7/10
W M Irvin ElementaryGrades PK-51.8 mi
2/10
Concord MiddleGrades 6-81.6 mi
6/10
Concord HighGrades 9-121.4 mi

Construction

Condition

  • Year built: 2015

Materials

  • Foundation: Crawl Space
  • Construction materials: Hardboard Siding,Stone Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Electric Cooktop,Exhaust Fan,Microwave
  • Laundry features: Mud Room

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Upper

Den

  • Level: Upper

Dining Room

  • Level: Main

Features

  • Door features: French Doors
  • Window features: Insulated Windows
  • Flooring: Carpet,Hardwood
  • Fireplace features: Living Room
  • Finished area below ground: 0
  • Finished area above ground: 3,352

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,352
  • Total interior livable area: 3,352 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Utility Room

  • Level: Main

Property

Details

  • Parcel number: 56315909140000
  • Zoning: AO
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: In Ground
  • Patio & porch: Covered,Patio
  • Fencing: Back Yard

Lot

  • Lot size: 3.57 Acres
  • Features: Private,Wooded

Parking

  • Total spaces: 621
  • Parking features: Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 621
  • Covered spaces: 621

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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Tornado
Cold Wave
Lightning
Strong Wind
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 $5,046$60,552
Home Insurance *$396$4,752
Property Taxes $535$6,420
Electricity $312$3,746
Total$6,289$75,468
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$215,622/yr
40% on housing$188,670/yr
45% on housing$167,706/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

$298This listing

vs Other Active Listings

Avg $/sqft

ZIP 28025$156
Cabarrus County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 28025$192
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
2026-07-15Listed for sale$998,000
2022-12-19Listing removed--
2022-11-01Listed for sale$1,400,000

For Sale by Agent

AgentJoe Hartsell
BrokerageKeller Williams South Park

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