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511 Fowler Rd, Monroe, NC, 28110

3beds
4baths
3,885sqft
$950,000
$245price/sqft
$6,118/moest. monthly cost
$244,720/yrincome needed

About This Home

Welcome to this stunning custom-built home offering the perfect blend of luxury, functionality, and privacy on 2 beautiful acres with NO HOA and NO CCRs — giving you the freedom and space today’s buyers are looking for. Featuring 3 bedrooms per septic permit, this thoughtfully designed home also includes multiple additional flex spaces ideal for a home office, media room, playroom, guest space, fitness room, or hobby area. Step inside and immediately notice the impressive 10-foot ceilings on the main level and 9-foot ceilings upstairs, creating an open, airy feel filled with natural light. Elegant engineered wood flooring runs throughout the home, adding warmth, durability, and a timeless upscale feel. The beautifully designed open-concept floor plan seamlessly connects the gourmet kitchen, dining area, and living room, making this home perfect for entertaining guests or enjoying cozy nights in. The luxurious main-level primary suite offers a true retreat experience featuring heated floors in the primary bathroom for added comfort and spa-like living. A dedicated office on the first floor creates the ideal work-from-home setup. Upstairs features a desirable Jack-and-Jill layout, an oversized bonus room, plus an additional flex room with a full bathroom — perfect for multi-generational living, guest accommodations, or additional recreational space. Car enthusiasts, hobbyists, or those needing extra storage will appreciate the spacious 4-car garage with plenty of room for vehicles, workshop space, equipment, or recreational toys. Enjoy peaceful country-style living while still being conveniently located close to shopping, dining, major highways, and the bypass for an easy commute. Situated in a highly sought-after area with outstanding 9/10 school ratings, this property offers the perfect combination of privacy, modern living, and everyday convenience. With custom craftsmanship, luxury finishes, engineered hardwood floors throughout, spacious living areas, flexible-use rooms, acreage, and unrestricted potential, this one-of-a-kind property delivers the lifestyle buyers are actively searching for. Rare opportunity to own a private retreat with room to grow, work, entertain, and truly make your own.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

9/10
9/10
Piedmont Middle SchoolGrades 6-84.9 mi
7/10
Piedmont High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 2025

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Partial,Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Electric Cooktop
  • Laundry features: Laundry Room

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Bonus Room

  • Level: Upper

Dining Room

  • Level: Main

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,885

Flex Space

  • Level: Upper

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,885
  • Total interior livable area: 3,885 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Office

  • Level: Main

Other

  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 09210003F
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 2.10 Acres

Parking

  • Total spaces: 4
  • Parking features: Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 FloodingVery High
  • Tornado
    TornadoVery High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
Ice Storm
Lightning
Strong Wind
Cold Wave
Earthquake
Hail
Heat Wave
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 $4,803$57,636
Home Insurance *$312$3,744
Property Taxes $642$7,704
Electricity $361$4,342
Total$6,118$73,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$209,760/yr
40% on housing$183,540/yr
45% on housing$163,146/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

$245This listing

vs Other Active Listings

Avg $/sqft

ZIP 28110$189
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
2026-05-01Listed for sale$1,050,000
2024-04-20Listing removed--
2024-04-11Listed for sale$260,000
2022-01-28Sold$90,000

For Sale by Agent

AgentViktoria Derun
BrokerageReal Broker, LLC

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