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3300 Spencer St, Charlotte, NC, 28205

3beds
4baths
2,080sqft
$560,000
$269price/sqft
$3,524/moest. monthly cost
$140,960/yrincome needed

About This Home

Welcome home to this stunning 3 bedroom/ 3.5 bath home that perfectly blends comfort, style, and everyday functionality. From the moment you arrive, you’ll be captivated by the inviting atmosphere and thoughtfully designed layout. Inside, you’ll find bright, open living spaces filled with natural light, creating the perfect setting for both relaxing and entertaining. The spacious kitchen offers ample cabinetry, generous counter space, and a seamless flow into the main living areas, making gatherings effortless and enjoyable. The primary suite serves as a private retreat, featuring a spacious layout and a well-appointed en-suite bath designed for comfort and convenience. Additional bedrooms provide flexibility for guests, home office space, or hobbies. Step outside to enjoy the outdoor living area, perfect for morning coffee, evening dinners, or simply unwinding while taking in the peaceful surroundings. Perfectly positioned in the heart of NoDa, this home places you just minutes from the vibrant energy of Plaza Midwood and Uptown Charlotte. Enjoy easy access to eclectic dining, local breweries, art galleries, and entertainment, all while coming home to your own private oasis. This property truly offers the ideal blend of urban convenience and comfortable living.

Getting Around

76
WalkingVery Walkable
52
TransitGood Transit
58
BikeBikeable

Schools

3/10
Villa Heights ElementaryGrades K-50.9 mi
7/10
Eastway MiddleGrades 6-82.8 mi
1/10
Garinger High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2020

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave
  • Laundry features: Laundry Room,Third Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Third

Bathroom Half

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Third
  • Area: 310.8264
  • Dimensions: 16' 1" X 19' 4"

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Area

  • Level: Upper

Features

  • Flooring: Carpet,Tile
  • Finished area below ground: 0
  • Finished area above ground: 2,080

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,252
  • Total interior livable area: 2,080 sqft

Kitchen

  • Level: Upper

Laundry

  • Level: Third

Living Room

  • Level: Upper

Primary Bedroom

  • Level: Third

Property

Details

  • Parcel number: 09109559
  • Zoning: UR-2(CD)
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: Main
  • Patio & porch: Balcony,Covered,Front Porch

Lot

  • Lot size: 0.04 Acres

Parking

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

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

No climate risk data available.

How This Home’s Risks Compare

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 $2,831$33,972
Home Insurance *$144$1,728
Property Taxes $349$4,188
Electricity $200$2,405
Total$3,524$42,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,822/yr
40% on housing$105,720/yr
45% on housing$93,973/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

$269This listing

vs Other Active Listings

Avg $/sqft

ZIP 28205$282
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28205$345
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
2026-04-28Price change$610,000
2026-04-08Listed for sale$625,000
2020-06-30Sold$469,500

For Sale by Agent

AgentJordan Keesee
BrokeragePinnacle Realty Advisors

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