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1521 Black Walnut St, Monroe, NC, 28112

4beds
3baths
2,284sqft
$400,000
$175price/sqft
$2,636/moest. monthly cost
$105,440/yrincome needed

About This Home

Welcome home to this beautifully upgraded 2024-built home offering 4 bedrooms, 2.5 bathrooms, and 2,284 square feet of thoughtfully designed living space on a .28-acre cul-de-sac lot backing to woods. Located just minutes from Downtown Monroe, Monroe Country Club, Lake Lee, and Atrium Health Hospital, this move-in ready property combines convenience, comfort, and style. Step inside from the charming front porch to discover an inviting floor plan featuring LVP flooring throughout the entire main level, elegant coffered ceilings in the dining room, and upgraded wood tread stairs. The kitchen is the heart of the home with quartz countertops, stainless steel appliances, under-cabinet lighting, pantry, and an island with breakfast bar seating perfect for entertaining. Enjoy mornings or evening gatherings on the covered back patio overlooking the fenced backyard and wooded backdrop. Unlike new construction, this home already includes valuable owner-added upgrades such as a storage building, fence, laundry room cabinetry, ceiling fans, blinds, curtain rods, paint, landscaping refrigerator, washer, and dryer, and so much more. Upstairs, the spacious primary suite offers vaulted ceilings, a cozy window seat, walk-in closet, tiled flooring, soaking tub, and tiled shower. Three additional bedrooms, a versatile loft ideal for a media room, office, or potential 5th flex space, plus an upstairs laundry room provide plenty of room to fit your lifestyle. This better-than-new Monroe home delivers the upgrades, privacy, and location buyers are searching for.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

3/10
East ElementaryGrades PK-51.1 mi
1/10
Monroe Middle SchoolGrades 6-81.1 mi
2/10
Monroe High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab
  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Refrigerator with Ice Maker,Washer/Dryer
  • Laundry features: Laundry Room

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Features

  • Kitchen Island,Pantry,Walk-In Closet(s)
  • Finished area below ground: 0
  • Finished area above ground: 2,284

Heating & Cooling

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

Interior Area

  • Total structure area: 2,284
  • Total interior livable area: 2,284 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Loft

  • Level: Upper

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 09197110
  • Zoning: Conditional Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Back Yard,Fenced,Full

Lot

  • Lot size: 0.28 Acres
  • Features: Cul-De-Sac
  • Lot size dimensions: 52 x 179 x 103 x 152

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

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

How This Home’s Risks Compare

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

FEMA Declared Disasters in Union 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 $2,022$24,264
Home Insurance *$142$1,704
Property Taxes $260$3,120
Electricity $212$2,552
Total$2,636$31,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,377/yr
40% on housing$79,080/yr
45% on housing$70,293/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$175This listing

vs Other Active Listings

Avg $/sqft

ZIP 28112$201
Union County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28112$184
Union County$205

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
2026-05-07Listed for sale$425,000
2024-07-23Sold$412,000
2024-03-18Listing removed--
2024-01-18Listed for sale$382,990

For Sale by Agent

AgentRebekah Isenhour
BrokerageBerkshire Hathaway HomeServices Carolinas Realty

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