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3008 Hayes Ridge Dr, Belmont, NC, 28012

5beds
3baths
3,097sqft
$519,000
$168price/sqft
$3,617/moest. monthly cost
$144,680/yrincome needed

About This Home

3008 Hayes Ridge Drive is a 2021-built, 5 bedroom, 3 bath home tucked onto a quiet street in Amberley, one of Belmont's most walkable neighborhoods. One bedroom sits privately on the main level, ideal for guests or a home office. Out back, a flat, fully fenced yard is a blank canvas, room for a deck, a pool, or simply space to spread out. A two-story entry opens onto a bright main level where the kitchen, sun-drenched dining nook, and living room flow together as one space. Four more bedrooms and a spacious loft fill the upper floor, keeping the main level quiet and guest-ready. The kitchen features quartz counters and stainless appliances; the mudroom offers smart built-in storage. The real differentiator is behind the walls: an upgraded, commercial grade A/C system paired with spray-foam insulation, not the standard builder unit. It runs whisper-quiet, keeps bills low, and handles a Carolina summer with room to spare. Backed by a 10-year infrastructure warranty. The oversized two-car garage adds custom overhead and floor storage, plus attic space, and the driveway fits four more vehicles. The location does a lot of the work here. Walk to Belmont Middle School and South Point High School, the neighborhood park and greenway, and minutes from downtown Belmont's shops and restaurants. Downtown's historic Main Street brings The Everyday Market, Nellie's Southern Kitchen, and Waterbean Coffee, plus year-round events like the Garibaldi Festival, Movies in the Park, and the Friday Night Live concert series. Uptown Charlotte and the airport are 20 minutes away. A rare entry point into a close knit community of original owners. Move in ready and meticulously maintained. Schedule your showing today!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

--
J B Page Primary SchoolGrades PK-11.2 mi
5/10
Belmont Middle SchoolGrades 6-80.7 mi
8/10
South Point High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 2021

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range,Microwave,Plumbed For Ice Maker
  • Laundry features: Laundry Room,Upper Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Features

  • Flooring: Carpet,Tile,Vinyl
  • Fireplace features: Living Room
  • Finished area below ground: 0
  • Finished area above ground: 3,097

Heating & Cooling

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

Interior Area

  • Total structure area: 3,097
  • Total interior livable area: 3,097 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Loft

  • Level: Upper

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 302834
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Back Yard,Fenced

Lot

  • Lot size: 0.18 Acres
  • Features: Level,Private

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Faces Front,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 StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
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 $2,624$31,488
Home Insurance *$150$1,800
Property Taxes $555$6,660
Electricity $288$3,461
Total$3,617$43,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,011/yr
40% on housing$108,510/yr
45% on housing$96,453/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

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 28012$210
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28012$223
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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$519,000
2026-07-31Price change$519,000
2026-07-06Listed for sale$539,900
2026-06-24Listing removed$545,000
2026-06-18Listed for sale$545,000
2021-12-17Sold$435,500
AgentLisa Varon-Soto
BrokerageKeller Williams Fort Mill

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