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2643 Swamp Chestnut Oak Ln, Gastonia, NC, 28056

6beds
4baths
3,387sqft
$479,900
$142price/sqft
$3,221/moest. monthly cost
$128,840/yrincome needed

About This Home

Space, flexibility, and fresh updates in Bethesda Oaks! This impressive **6-bedroom, 3.5-bath home offers three fully finished levels and one of the largest floor plans in the community—perfect for multigenerational living, work-from-home lifestyles, or anyone needing room to spread out. The main level features an open, light-filled layout centered around a spacious kitchen with granite countertops, stainless steel appliances, a walk-in pantry, and generous prep space—ideal for entertaining or everyday living. A dedicated office makes working from home easy, while brand-new carpet and fresh interior paint create a clean, move-in-ready feel throughout. Upstairs, retreat to the private primary suite complete with a walk-in closet and ensuite bath. Three additional bedrooms and a full bath provide comfortable space for family or guests. The third level adds incredible versatility with two more bedrooms and a full bath—perfect for teens, extended family, or a second living area. Outside, enjoy a manageable backyard plus access to Bethesda Oaks’ popular community amenities, including a pool, playground, and walking trails. All of this is conveniently located just minutes from **Interstate 85, shopping, dining, and everyday conveniences. If you’ve been looking for space without sacrificing location, this one deserves a closer look.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

7/10
Lowell Elementary SchoolGrades K-53.2 mi
2/10
Holbrook Middle SchoolGrades 6-82.3 mi
2/10
Ashbrook High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Slab
  • Construction materials: Stone,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Cooktop,Gas Water Heater,Microwave,Oven,Refrigerator
  • Laundry features: Laundry Room,Upper Level

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Third

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Third

Bedroom S

  • Level: Third

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Breakfast Bar,Kitchen Island,Open Floorplan,Walk-In Closet(s),Walk-In Pantry
  • Window features: Insulated Windows,Window Treatments
  • Flooring: Carpet,Vinyl
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 3,387

Heating & Cooling

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

Interior Area

  • Total structure area: 2,723
  • Total interior livable area: 3,387 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Loft

  • Level: Upper

Primary Bedroom

  • Level: Upper

Study

  • Level: Main

Property

Details

  • Parcel number: 302111
  • Zoning: PD PRD
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: Two and a Half
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Covered,Front Porch,Patio
  • Fencing: Back Yard
  • Waterfront features: None

Lot

  • Lot size: 0.19 Acres
  • Features: Level

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

  • Ice Storm
    Ice StormRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Inland Flooding
Lightning
Strong Wind
Tornado

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 $2,426$29,112
Home Insurance *$173$2,076
Property Taxes $307$3,684
Electricity $315$3,785
Total$3,221$38,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,434/yr
40% on housing$96,630/yr
45% on housing$85,893/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

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 28056$170
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28056$192
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
2026-05-04Price change$489,000
2026-04-14Price change$489,400
2026-03-17Price change$489,900
2026-03-06Price change$499,900
2025-12-30Listed for sale$504,000
2025-12-29Listing removed--
2025-12-18Price change$504,000
2025-11-20Listed for sale$505,000
2025-08-06Listing removed$510,000
2025-07-24Price change$510,000
2025-07-22Listed for sale$525,000
2025-07-22Pending sale$525,000
2025-07-21Price change$525,000
2025-07-11Listed for sale$530,000
2023-03-03Sold$475,000
2023-02-08Pending sale$489,900
2023-02-07Listing removed--
2023-02-01Pending sale$489,900
2023-01-23Price change$489,900
2022-12-10Listed for sale$499,900
2020-09-29Sold$322,500

For Sale by Agent

AgentChad Simpson
BrokerageReal Broker LLC Belmont

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