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17134 Sand Bank Rd, Charlotte, NC, 28278

3beds
3baths
2,438sqft
$545,000
$224price/sqft
$3,471/moest. monthly cost
$138,840/yrincome needed

About This Home

JUST REDUCED $15K!!!!! Nestled in the North Reach community within The Palisades, this 3-bedroom gem is beautifully curated, and every space feels intentional. The open layout creates a seamless flow between living areas. Anchoring the heart of the home is an expansive chef-inspired kitchen with gas range, upgraded gold fixtures and huge entertainers dream island. Retreat to the primary suite with a spa-inspired bath with dual sinks, oversized separate glass-enclosed shower with built-in bench and huge floor-to-ceiling closet. Additional bedrooms offer comfort and ample capacity to suit a variety of needs. Designed with flexibility in mind, the upstairs bonus area offers impressive scale and versatility, accommodating everything from a stylish office for remote work, a home theater, recreation, or a secondary living area. Clever storage solutions with an unfinished area easily accessed from the bonus room gives you room for everything. A 2-car garage features epoxy-coated flooring and plenty of storage. Outside your yard features an irrigation system and perefectly sized yard where the lawncare is included in your HOA! HOA includes tennis, pool, gym, clubhouse, & more--just minutes from Lake Wylie, shopping, dining, and entertainment. A Social membership to the Palisades Country Club is included in the HOA. North Reach neighborhood has access to The Lake House

Getting Around

4
WalkingCar-Dependent
0
TransitNo Nearby Transit
10
BikeSomewhat Bikeable

Schools

8/10
1/10
Southwest Middle SchoolGrades 6-82.9 mi
8/10
Palisades High SchoolGrades 9-110.9 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Construction materials: Hardboard Siding,Stone Veneer

Other

  • Builder name: Taylor Morrison

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Gas Cooktop,Ice Maker,Microwave,Oven,Refrigerator
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Upper

Breakfast

  • Level: Main

Dining Area

  • Level: Main

Family Room

  • Level: Main

Features

  • Built-in Features,Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s)
  • Window features: Storm Window(s)
  • Flooring: Carpet,Tile,Vinyl
  • Fireplace features: Family Room
  • Attic: Walk-In
  • Finished area below ground: 0
  • Finished area above ground: 2,438

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,438
  • Total interior livable area: 2,438 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 21723322
  • Zoning: MX-3
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Covered,Front Porch,Patio
  • Exterior features: In-Ground Irrigation,Lawn Maintenance
  • Waterfront features: Paddlesport Launch Site - Community
  • Waterbody name: Lake Wylie

Lot

  • Lot size: 0.14 Acres
  • Features: Level

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

  • 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 $2,755$33,060
Home Insurance *$163$1,956
Property Taxes $326$3,912
Electricity $227$2,724
Total$3,471$41,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$119,005/yr
40% on housing$104,130/yr
45% on housing$92,560/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

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 28278$225
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
2026-04-06Price change$550,000
2026-02-20Listed for sale$565,000
2025-04-15Sold$490,000
2025-03-01Price change$505,000
2025-02-21Price change$525,000
2024-12-29Price change$535,000
2024-12-05Listed for sale$540,000
2022-08-31Sold$474,000

For Sale by Agent

AgentLauren Fox
BrokerageHoward Hanna Allen Tate Charlotte South

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