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304 Picasso Trl, Mount Holly, NC, 28120

4beds
3baths
2,762sqft
$560,000
$203price/sqft
$3,842/moest. monthly cost
$153,680/yrincome needed

About This Home

Welcome to your 4BR/3BA 1.5-story home in amenity-rich Imagery, a 55+ community where nature abounds on a peninsula of Mountain Island Lake! This 2,762 sf home offers a large Owner's Suite on the main level with a sitting area and a covered porch and 2 additional bedrooms. Enjoy an open floor plan with an extended Great Room, LVP floors, a Gourmet Kitchen with a gas cooktop, granite counters, stainless steel appliances, a huge island, and a walk-in pantry. Upstairs, you'll find a bedroom, a full bath, and a roomy family room with lots of storage. Walk out back and enjoy your brick paver patio and fire pit, or enjoy Imagery's pool, pickleball, tennis, beach, trails, waterside parks, arts studio, sewing cabin, fitness center, library, game room, and dog park. Lawn maintenance and an on-site Lifestyle Director are also included! A WATERFRONT PARK with BOAT DOCKS, JET SKI SLIPS, and KAYAK ACCESS IS UNDER CONSTRUCTION! 10 mins to local shopping and I-485, 20 mins to the Airport, Uptown, major shopping, restaurants, medical facilities, and Lake Norman. Under-55 buyers are welcome!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

5/10
4/10
Stanley Middle SchoolGrades 6-88.8 mi
5/10
East Gaston High SchoolGrades 9-127.9 mi

Construction

Condition

  • Year built: 2019

Materials

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

Other

  • Builder model: Dorchester B
  • Builder name: Lennar

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Gas Cooktop,Microwave,Self Cleaning Oven
  • Laundry features: Mud Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Main

Bedroom S

  • Features: Split BR Plan
  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Bonus Room

  • Level: Upper

Family Room

  • Level: Main

Features

  • Breakfast Bar,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Vinyl
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,762

Heating & Cooling

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

Interior Area

  • Total structure area: 2,762
  • Total interior livable area: 2,762 sqft

Kitchen

  • Features: Breakfast Bar,Kitchen Island,Open Floorplan,Walk-In Pantry
  • Level: Main

Primary Bedroom

  • Features: En Suite Bathroom,Split BR Plan,Walk-In Closet(s)
  • Level: Main

Property

Details

  • Parcel number: 300311
  • Zoning: r
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Covered,Patio
  • Exterior features: Lawn Maintenance
  • Waterbody name: Mountain Island Lake

Lot

  • Lot size: 0.17 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage Door Opener,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters in Gaston 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 *$187$2,244
Property Taxes $567$6,804
Electricity $257$3,087
Total$3,842$46,104
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,725/yr
40% on housing$115,260/yr
45% on housing$102,453/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: 16.2%
16.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 28120$171
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28120$199
Gaston County$187

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
2026-05-09Listed for sale$679,000
2019-06-17Sold$414,000

For Sale by Agent

AgentKim Long
BrokerageCentury 21 Murphy & Rudolph

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