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16004 Deer River Rd, Charlotte, NC, 28278

3beds
4baths
2,885sqft
$535,000
$185price/sqft
$3,443/moest. monthly cost
$137,720/yrincome needed

About This Home

Move-in ready home in the beautiful and highly sought-after Palisades Community—just moments from Lake Wylie! This thoughtfully designed 3-bedroom, 3.5-bath residence offers a bright, open floor plan perfect for modern living. The spacious kitchen impresses with granite countertops, an oversized island, and abundant prep and storage space. The primary suite features a large walk-in shower and dual vanities for a spa-like experience. Upstairs, you'll find a generous loft, additional bedroom, and full bath—ideal for guests, work, or recreation. Enjoy resort-style living with convenient access to shopping, dining, CLT Airport, and all the amenities the Palisades area is known for. A fantastic opportunity to own an enticing home in one of Charlotte’s premier communities!

Getting Around

4
WalkingCar-Dependent
0
TransitNo Nearby Transit
21
BikeSomewhat Bikeable

Schools

8/10
1/10
Southwest Middle SchoolGrades 6-82.7 mi
8/10
Palisades High SchoolGrades 9-110.6 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Water Heater,Exhaust Fan,Gas Cooktop,Microwave,Refrigerator,Wall Oven
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Half

  • 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: 2

Dining Room

  • Level: Main

Features

  • Flooring: Carpet,Hardwood,Tile
  • Fireplace features: Living Room
  • Attic: Walk-In
  • Finished area below ground: 0
  • Finished area above ground: 2,885

Heating & Cooling

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

Interior Area

  • Total structure area: 2,885
  • Total interior livable area: 2,885 sqft

Laundry

  • Level: Main

Living Room

  • Level: Main

Loft

  • Level: Upper

Office

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 21722457
  • Zoning: MX-3
  • Special condition: Notice Of Default

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Back Yard,Fenced

Lot

  • Lot size: 0.22 Acres
  • Features: Corner Lot
  • Lot size dimensions: 69 x 30 x 104 x 75 x 132

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

  • 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 $2,705$32,460
Home Insurance *$160$1,920
Property Taxes $310$3,720
Electricity $268$3,224
Total$3,443$41,316
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,045/yr
40% on housing$103,290/yr
45% on housing$91,813/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

$185This 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
2025-12-01Sold$495,895
2025-05-13Listing removed$599,900
2025-01-14Price change$599,900
2024-12-04Price change$604,500
2024-10-24Price change$605,000
2024-09-11Price change$615,000
2024-08-17Listed for sale$620,000
2022-05-09Sold$515,000
2022-03-30Contingent$515,000
2022-03-25Listed for sale$515,000
2021-09-15Listing removed--
2021-09-01Listed for rent$2,900
2021-07-22Sold$431,500
2021-02-23Listing removed--
2021-01-28Listed for sale$431,401

Unknown Listed By

AgentNancy Braun
BrokerageShowcase Realty LLC

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