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368 Picasso Trl, Mount Holly, NC, 28120

3beds
3baths
2,220sqft
$544,900
$245price/sqft
$3,744/moest. monthly cost
$149,760/yrincome needed

About This Home

Welcome to 368 Picasso Trail, a beautifully maintained single-level home in the desirable Imagery on Mountain Island Lake community. This thoughtfully designed home features a spacious open floor plan with an extra-large kitchen that flows seamlessly into the living and dining areas. The kitchen is well appointed with granite countertops, stainless steel appliances, generous cabinetry, and ample workspace. An additional sitting room off the dining area provides flexible living space and direct access to the custom back patio, complete with a built-in gas grill and fully fenced backyard—perfect for outdoor dining and entertaining. The spacious primary suite features a large walk-in closet, while the secondary bedrooms are located on a separate wing of the home and share a private full bath. An additional half bath is conveniently located in the main living area. A two-car garage provides additional parking and storage. Located in Imagery on Mountain Island Lake, this home offers convenient access to Mountain Island Lake along with an impressive selection of community amenities, recreational opportunities, and resident activities. With its open layout, comfortable single-level design, and exceptional indoor and outdoor living spaces.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

6/10
5/10
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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Gas Range,Microwave,Refrigerator with Ice Maker,Washer
  • Laundry features: Laundry Room,Main Level

Bedroom S

  • Level: Main
  • Area: 109.2
  • Dimensions: 10' 11" X 10' 0"

Bedroom S

  • Level: Main
  • Area: 168.96
  • Dimensions: 12' 0" X 14' 1"

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
  • Flooring: Tile,Vinyl
  • Fireplace features: Family Room,Gas
  • Finished area below ground: 0
  • Finished area above ground: 2,220

Great Room

  • Level: Main
  • Area: 366.6564
  • Dimensions: 21' 8" X 16' 11"

Heating & Cooling

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

Interior Area

  • Total structure area: 2,220
  • Total interior livable area: 2,220 sqft

Kitchen

  • Level: Main
  • Area: 191.845
  • Dimensions: 12' 7" X 15' 3"

Other

  • Level: Main
  • Area: 150.37
  • Dimensions: 11' 0" X 13' 8"

Primary Bedroom

  • Level: Main
  • Area: 265.3625
  • Dimensions: 16' 3" X 16' 4"

Property

Details

  • Parcel number: 300741
  • Zoning: CD-FT²
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Front Porch,Patio
  • Fencing: Back Yard
  • Waterbody name: Mountain Island Lake

Lot

  • Lot size: 0.20 Acres

Parking

  • Total spaces: 4
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered 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 $2,755$33,060
Home Insurance *$182$2,184
Property Taxes $601$7,212
Electricity $206$2,481
Total$3,744$44,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,365/yr
40% on housing$112,320/yr
45% on housing$99,840/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

$245This listing

vs Other Active Listings

Avg $/sqft

ZIP 28120$170
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
2026-07-31Listed for sale$544,900
2020-01-28Sold$340,000

For Sale by Agent

AgentMerrill Thierman
BrokerageVerge Property Management LLC

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