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2113 Osten Run, Monroe, NC, 28110

5beds
4baths
3,456sqft
$515,000
$149price/sqft
$3,438/moest. monthly cost
$137,520/yrincome needed

About This Home

Blending spacious design, modern functionality, and elegant finishes, this beautifully appointed Monroe home offers the perfect balance of comfort, versatility, and everyday luxury in a highly desirable Union County community. Designed with today’s lifestyle in mind, the thoughtfully crafted floor plan features five spacious bedrooms and four full bathrooms with exceptional flexibility for entertaining, working from home, or multigenerational living. Just off the entry, a versatile flex space creates the perfect setting for a private office, formal dining area, sitting room, or playroom depending on your needs. A main-level guest suite with full bath provides ideal accommodations for visitors while offering both comfort and privacy. At the center of the home, the expansive gourmet kitchen was designed to bring everyone together. Featuring oversized granite countertops, a large center island, farmhouse sink, gas cooktop, abundant cabinetry, stainless steel Energy Star appliances, and generous prep space, this kitchen effortlessly combines style and functionality. The open-concept design flows seamlessly into the bright dining area and spacious family room, creating the perfect atmosphere for entertaining guests, hosting holidays, or enjoying relaxed evenings at home. The inviting family room offers abundant natural light and open sightlines throughout the main living areas, while beautiful wood flooring adds warmth and sophistication across the home’s primary living spaces. Large windows throughout the home create a bright and airy feel while enhancing the open layout and welcoming atmosphere. Upstairs, the expanded loft provides exceptional additional living space perfect for a media room, game room, secondary lounge, fitness area, or homework station. Complete with a walk-in closet, the loft offers even more flexibility for growing households and evolving lifestyle needs. The luxurious primary suite serves as a peaceful retreat featuring a spacious bedroom, oversized walk-in closet, and spa-inspired ensuite bath designed for relaxation. Enjoy dual vanities, a soaking tub, and a separate walk-in shower that create a true retreat-like experience at the end of the day. Additional secondary bedrooms are generously sized and thoughtfully designed with comfort and convenience in mind, while the additional bathrooms provide modern finishes and functional layouts ideal for family and guests alike. Step outside to enjoy the extended covered rear patio overlooking the backyard — the perfect outdoor space for relaxing after a long day, entertaining guests, enjoying morning coffee, or hosting weekend gatherings year-round. The backyard provides ample room for outdoor enjoyment, pets, gardening, or future customization while still offering a peaceful setting to unwind. Additional highlights throughout the home include abundant storage space, thoughtfully designed living areas, energy-efficient features, and a layout that balances open entertaining spaces with private retreats. Every detail was carefully considered to provide both style and practicality for modern living. Residents of the community enjoy wonderful neighborhood amenities including a community pool, clubhouse, and playground, creating opportunities for recreation, relaxation, and connection with neighbors. Conveniently located near shopping, dining, parks, and everyday conveniences, this home also offers quick access to Monroe, Matthews, and the Monroe Bypass for an easy commute throughout the greater Charlotte area. Enjoy nearby local restaurants, boutiques, grocery stores, golf courses, and recreational destinations while still appreciating the comfort of suburban living. Situated within the highly regarded Union County School District, this exceptional property combines location, space, functionality, and lifestyle in one remarkable opportunity.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
10/10
7/10
Porter Ridge High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Gas Cooktop,Ice Maker,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Laundry Room,Upper Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Features

  • Soaking Tub,Kitchen Island,Open Floorplan,Storage,Walk-In Closet(s),Walk-In Pantry
  • Flooring: Carpet,Tile,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 3,456

Heating & Cooling

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

Interior Area

  • Total structure area: 3,456
  • Total interior livable area: 3,456 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 08270136
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.29 Acres

Parking

  • Total spaces: 3
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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 StormRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Tornado
Cold Wave
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Union 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 $2,604$31,248
Home Insurance *$169$2,028
Property Taxes $344$4,128
Electricity $321$3,862
Total$3,438$41,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$117,874/yr
40% on housing$103,140/yr
45% on housing$91,680/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 28110$190
Union County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28110$200
Union County$205

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
2026-05-06Listed for sale$515,000
2026-05-05Listing removed$528,000
2026-04-29Price change$528,000
2026-04-16Listed for sale$530,000
2026-04-08Listing removed$530,000
2026-04-06Listed for sale$530,000
2025-02-18Listing removed$2,500
2025-02-11Price change$2,500
2025-01-31Price change$2,700
2025-01-17Listed for rent$2,800
2021-08-20Sold$380,900

For Sale by Agent

AgentJosh Finigan
BrokerageEXP Realty LLC Ballantyne

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