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12221 Whiteside Dr, Charlotte, NC, 28278

3beds
3baths
1,353sqft
$326,000
$241price/sqft
$2,152/moest. monthly cost
$86,080/yrincome needed

About This Home

Beautiful and well-maintained townhouse built in 2018, located in a highly desirable area of Charlotte. This home offers modern finishes, a functional layout, and excellent overall condition—perfect for comfortable living or investment. Enjoy the convenience of an HOA that includes water, landscaping, and access to a community pool, providing low-maintenance living and great amenities. Ideally situated near shopping, dining, and major highways, this property combines location, value, and lifestyle. A must-see opportunity!

Getting Around

47
WalkingCar-Dependent
31
TransitSome Transit
31
BikeSomewhat Bikeable

Schools

8/10
1/10
Southwest Middle SchoolGrades 6-80.5 mi
8/10
Palisades High SchoolGrades 9-111.6 mi

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Slab
  • Construction materials: Brick Partial,Vinyl

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Closet

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,353

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 595
  • Total interior livable area: 1,353 sqft

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 19955157
  • Zoning: R-12MF(CD)
  • Special condition: Standard

Features

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

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

  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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 $1,648$19,776
Home Insurance *$97$1,164
Property Taxes $207$2,484
Electricity $200$2,405
Total$2,152$25,824
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,782/yr
40% on housing$64,560/yr
45% on housing$57,386/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

$241This 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
2026-05-13Price change$329,000
2026-05-05Price change$332,000
2026-03-30Price change$333,000
2026-03-20Listed for sale$335,000
2024-09-17Sold$310,000
2024-07-09Pending sale$325,000
2024-05-29Price change$325,000
2024-05-02Listed for sale$335,000
2019-05-07Sold$190,500

For Sale by Agent

AgentThania Ortiz
BrokerageNorthGroup Real Estate LLC

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