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8106 Mount Holly Rd, Charlotte, NC, 28214

5beds
3baths
3,939sqft
$400,000
$102price/sqft
$2,751/moest. monthly cost
$110,040/yrincome needed

About This Home

Unlock the potential of over 3,000 sq. ft. of versatile space in this partially renovated commercially zoned multifamily property—perfect for investors, developers, or entrepreneurs seeking their next high-return project in one of Charlotte’s rapidly growing corridors. Situated on bustling Old Mt Holly Rd, this property features multiple spacious rooms, flexible layout options, and a separate upstairs apartment ideal for rental income, office space, or short-term housing. Renovations have been started, giving you a head start—bring your vision and complete the transformation exactly the way you want. With C-zoning in place, the possibilities are truly endless: ?? Multi-unit residential conversions ?? Office suites or co-working spaces ?? Assisted living or group care facility ?? Boutique service business ?? Short-term or mid-term rentals ?? Mixed-use potential Large square footage, established commercial zoning, and proximity to I-485, Hwy 16, and Mountain Island Lake make this a strategic investment in a high-demand area. Continue the renovation and watch your value grow! If you’re looking for your next profitable project in Charlotte, this is it—flexible, spacious, centrally located, and full of opportunity. Don’t miss out on this rare gem. Investors, bring your creativity and capitalize on the upside!

Getting Around

12
WalkingCar-Dependent
32
TransitSome Transit
22
BikeSomewhat Bikeable

Schools

10/10
Paw Creek ElementaryGrades PK-50.6 mi
9/10
Coulwood MiddleGrades 6-81.6 mi
2/10
West Mecklenburg HighGrades 9-122.4 mi

Construction

Condition

  • Year built: 1946

Materials

  • Foundation: Slab
  • Construction materials: Brick Partial

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: None

Basement

  • Has basement: Yes
  • Basement: Apartment,Basement Garage Door,Bath/Stubbed,Exterior Entry,Interior Entry,Partial,Partially Finished,Storage Space,Unfinished,Walk-Out Access,Other

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,939

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,939
  • Total interior livable area: 3,939 sqft

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 03103346
  • Zoning: CG
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main

Lot

  • Lot size: 0.44 Acres

Parking

  • Total spaces: 1
  • Parking features: Driveway,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 FloodingModerate

How This Home’s Risks Compare

Inland Flooding

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 $2,022$24,264
Home Insurance *$148$1,776
Property Taxes $215$2,580
Electricity $366$4,402
Total$2,751$33,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,320/yr
40% on housing$82,530/yr
45% on housing$73,360/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

$102This listing

vs Other Active Listings

Avg $/sqft

ZIP 28214$160
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28214$196
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$325,000
2026-06-21Listed for sale$400,000
2026-06-01Listing removed$425,000
2026-03-03Price change$425,000
2026-01-07Price change$460,000
2025-12-01Listed for sale$500,000
2019-12-11Sold$226,000
2017-06-02Sold$34,500
2017-02-24Sold$14,000

For Sale by Agent

AgentJoAnna Lowe
BrokerageYellow Door Agency

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