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11546 Red Rust Ln, Charlotte, NC, 28277

2beds
3baths
1,538sqft
$445,000
$289price/sqft
$2,948/moest. monthly cost
$117,920/yrincome needed

About This Home

Here is your chance to own a beautifully updated townhome right in the heart of Waverly! This 2 bedroom, 2.5 bath, full brick home boasts features that are sure to impress. The open main level concept features engineered hardwoods, a custom accent wall, a large bay window, an updated half bath, quartz countertops with white shaker cabinets, stainless steel appliances, a gas stove, and a pantry. Admire the rod iron railings as you head upstairs to the upper level where you will find a generously sized bonus room with custom built-ins, making it suitable for just about any need. A large primary bedroom and bathroom provide ample space that will have you feeling like the home is way bigger than it is. Don't miss the third floor bedroom and full bath! This is one of the finest layouts you will find for a townhome. Waverly features over 30 restaurants, an incredible Lifetime Fitness, a Whole Foods, Harris Teeter, coffee shops, bars, and so much more, all within walking distance!

Getting Around

36
WalkingCar-Dependent
0
TransitNo Nearby Transit
33
BikeSomewhat Bikeable

Schools

10/10
Rea Farms STEAM AcademyGrades K-80.3 mi
9/10
Ardrey Kell HighGrades 9-123.0 mi
9/10
Polo Ridge ElementaryGrades PK-50.9 mi

Construction

Condition

  • Year built: 2019

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Gas Cooktop,Microwave,Oven,Refrigerator
  • Laundry features: In Hall,Laundry Closet,Upper Level

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Third

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Third

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Upper

Features

  • Flooring: Carpet,Hardwood,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,538

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,177
  • Total interior livable area: 1,538 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 22917471
  • Zoning: MUDD-O
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: Main
  • Patio & porch: Patio

Lot

  • Lot size: 0.04 Acres

Parking

  • Total spaces: 1
  • Parking features: Driveway,Detached Garage,Garage Faces Rear,On Street,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
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
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 $2,250$27,000
Home Insurance *$128$1,536
Property Taxes $370$4,440
Electricity $200$2,405
Total$2,948$35,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,074/yr
40% on housing$88,440/yr
45% on housing$78,613/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

$289This listing

vs Other Active Listings

Avg $/sqft

ZIP 28277$250
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28277$269
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
2026-07-30Listed for sale$445,000
2025-07-16Sold$460,000
2025-06-13Listed for sale$450,000
2022-07-13Sold$405,000
2022-06-20Pending sale$410,000
2022-05-27Listed for sale$410,000
2019-08-30Sold$316,000

For Sale by Agent

AgentRyan Pagano
BrokerageMission Realty

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