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966 Scotch Meadows Loop, Monroe, NC, 28110

4beds
4baths
3,698sqft
$624,900
$169price/sqft
$4,115/moest. monthly cost
$164,600/yrincome needed

About This Home

Beautiful stunning two story home featuring main level open floor plan, luxury amenities throughout the entire home perfect for modern living. Rocking chair covered front porch welcomes you. Entrance hall welcomes you into this spacious home. Laminated gorgeous wood flooring throughout main level. Family room with lots of windows overlooking the private fenced back yard and woods. Formal dining room, butlers pantry. Gourmet kitchen is a chef's dream with top-of-the-line appliances plenty of counter space and cabinets, large center Island, walk-in pantry. Breakfast room with sliders to covered screened oversized patio plus door to open patio all perfect for entertaining & relaxing overlooking private fenced back yard and woods. Dedicated private home office for working from home. Drop zone, half bath. Upper level welcomes you with a large open area. Primary bedroom retreat with a cozy sitting room, luxury tiled en-suite bath, double vanity, Shower, private toilet, linen closet, large walk-in-closet. Three additional en-suite bedrooms, with large closets allows for comfort and privacy for family and your guests. Generous bonus/ flex room. Laundry room. Front load garage with a side entry door. Fenced backyard, covered screened and open patios back up to woods. This home looks like a model home and is truly move in ready to start living the good life in your new home. In a community with award winning schools. Its the perfect place to call home. VA Assumable Loan @ 2.5% Is Available For Qualified Buyer.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

9/10
9/10
Piedmont Middle SchoolGrades 6-86.8 mi
7/10
Piedmont High SchoolGrades 9-127.0 mi

Construction

Condition

  • Year built: 2023

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Electric Cooktop,Electric Water Heater,Exhaust Hood,Ice Maker,Microwave
  • Laundry features: Electric Dryer Hookup,Laundry Room,Upper Level

Bathroom Full

  • Level: Upper

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

Bonus Room

  • Level: Upper

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Breakfast Bar,Drop Zone,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s),Walk-In Pantry
  • Door features: Insulated Door(s),Pocket Doors
  • Window features: Insulated Windows
  • Flooring: Carpet,Laminate,Tile
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 3,698

Heating & Cooling

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

Interior Area

  • Total structure area: 3,698
  • Total interior livable area: 3,698 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Loft

  • Level: Upper

Office

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Accessibility

  • Accessibility features: Two or More Access Exits

Details

  • Parcel number: 09143238
  • Zoning: RES
  • Special condition: Standard
  • Exclusions: Ring Security System,Wicker Light Fixture Above Kitchen Table,Frame TV & TV Mount in Main Level Family Room

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch,Patio,Screened
  • Fencing: Back Yard,Fenced

Lot

  • Lot size: 0.22 Acres
  • Features: Wooded,Views
  • Lot size dimensions: 53 x 191 x 51 x 177

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,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

  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Inland Flooding
Ice Storm
Lightning
Strong Wind
Cold Wave
Earthquake
Hail
Heat Wave
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 $3,159$37,908
Home Insurance *$205$2,460
Property Taxes $407$4,884
Electricity $344$4,133
Total$4,115$49,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,085/yr
40% on housing$123,450/yr
45% on housing$109,733/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

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 28110$189
Union County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28110$200
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
2026-04-03Listed for sale$624,900
2025-09-24Listing removed$630,000
2025-04-28Price change$630,000
2025-03-29Listed for sale$640,000
2024-08-25Listing removed$650,000
2024-07-19Listed for sale$650,000
2023-04-18Sold$591,975

For Sale by Agent

AgentSteven White
Brokerage1st Choice Properties Inc

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