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17030 Carolina Pine Row, Charlotte, NC, 28278

5beds
5baths
3,114sqft
$580,000
$186price/sqft
$3,712/moest. monthly cost
$148,480/yrincome needed

About This Home

Welcome to Ridgewater, one of the most coveted neighborhoods in Southwest Charlotte, NC. Ideally located next to The Palisades and moments from Lake Wylie. Residents enjoy a true urban retreat, surrounded by nature yet minutes from shopping, dining, and entertainment. Outdoor enthusiasts will love being close to McDowell Nature Preserve, River Hills Country Club, Daniel Stowe Botanical Gardens, and Carowinds amusement park. Everyday conveniences await at Rivergate Shopping Center, featuring popular retailers and restaurants. Quick access to I-77, I-485, and Highway 160 makes commuting to Uptown Charlotte, Charlotte Douglas International Airport, and Fort Mill, SC effortless. This stunning home offers five spacious bedrooms, including a guest suite on the main level, 4.5 baths, and a versatile flex room that’s perfect for a home office, gym, or playroom. Designed for modern living, the open-concept kitchen features an oversized island, granite countertops, stainless steel appliances, upgraded cabinetry, and a butler’s pantry for extra storage and style. The covered patio provides the perfect outdoor escape—ideal for morning coffee or evening entertaining—while the fence ensures privacy and a natural view. Inside, you’ll find upgraded flooring, designer finishes, and a luxurious primary suite complete with a tiled walk-in shower and generous closet space. Beyond the home itself, Ridgewater stands out among Charlotte homes for sale for its peaceful setting, modern amenities, and proximity to both Lake Wylie recreation and Uptown Charlotte’s vibrant energy.

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
5
BikeSomewhat Bikeable

Schools

8/10
1/10
Southwest Middle SchoolGrades 6-84.5 mi
8/10
Palisades High SchoolGrades 9-113.0 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Other

  • Builder model: Crosby Tudor
  • Builder name: Mattamy Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher
  • Laundry features: Laundry Room,Upper Level

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,114

Heating & Cooling

  • Heating features: Forced Air,Zoned
  • Cooling features: Central Air,Zoned

Interior Area

  • Total structure area: 3,114
  • Total interior livable area: 3,114 sqft

Living Room

  • Level: Main
  • Area: 447.6186
  • Dimensions: 18' 4" X 24' 5"

Primary Bedroom

  • Level: Upper
  • Area: 283.39
  • Dimensions: 17' 0" X 16' 8"

Property

Details

  • Parcel number: 21714712
  • Zoning: N1-C
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered
  • Fencing: Fenced

Lot

  • Lot size: 0.18 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 FloodingRelatively High
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
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 $2,932$35,184
Home Insurance *$174$2,088
Property Taxes $316$3,792
Electricity $290$3,480
Total$3,712$44,544
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,268/yr
40% on housing$111,360/yr
45% on housing$98,986/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

$186This 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
2026-04-29Price change$580,000
2026-03-15Listed for sale$600,000
2026-02-20Listing removed$580,000
2026-01-05Price change$580,000
2025-12-08Price change$589,500
2025-11-30Price change$590,000
2025-11-14Price change$600,000
2025-11-08Listed for sale$620,000
2022-03-30Sold$492,500

For Sale by Agent

AgentKendric Best
BrokerageEquity North Carolinas Real Estate, LLC

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