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5316 Somerset Hill Ln, Charlotte, NC, 28269

2beds
3baths
1,500sqft
$279,000
$186price/sqft
$1,914/moest. monthly cost
$76,560/yrincome needed

About This Home

Rare Private Cul-de-Sac 2-Bed Townhome. Buyer’s agent’s are welcome. Schedule your showing today! Welcome to this beautifully maintained 2-bedroom, 2.5-bath townhome in Charlotte's vibrant north side. It sits just minutes from Uptown, the lively NoDa arts district, and everyday conveniences. Tucked away in a quiet cul-de-sac, this home offers its own scenic drive-in entrance for added privacy. Step outside to enjoy your backyard oasis, complete with beautiful foliage right behind the property and the soothing presence of chirping birds. Inside, you will find approximately 1500 square feet of bright, open living space across two stories, plus a 1-car garage. High ceilings and plenty of natural light create a warm and welcoming atmosphere throughout. Key Features and Upgrades: * Open-concept main level, ideal for everyday living and entertaining * Spacious primary suite with ensuite bath * Convenient half bath on the main level * Versatile loft area, perfect for a home office or flex space * Included extras: washer and dryer, soft-close cabinets throughout, and window blinds * Energy-efficient LivingSmart features that help lower utility bills and enhance comfort This home is spotless, thoroughly cleaned, and truly move-in ready. Low-maintenance living gives you more time to enjoy the community's tree-lined paths and friendly, connected vibe. This is an excellent opportunity in a fast-growing neighborhood. Whether you are a first-time buyer or looking for low-maintenance urban living with nature at your doorstep, this turnkey townhome checks every box. Schedule your showing today and come see this private cul-de-sac gem for yourself! Buyer’s agents are welcome - flexible on terms for serious offers.

Getting Around

14
WalkingCar-Dependent
34
TransitSome Transit
27
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: Townhouse

Interior

Bedrooms & Bathrooms

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

Interior Area

  • Total interior livable area: 1,500 sqft

Property

Details

  • Parcel number: 04507342

Features

  • Exterior features: Vinyl
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 1,655 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached

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

  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
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 $1,410$16,920
Home Insurance *$119$1,428
Property Taxes $185$2,220
Electricity $200$2,405
Total$1,914$22,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,622/yr
40% on housing$57,420/yr
45% on housing$51,040/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

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 28269$162
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28269$192
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
2026-04-09Listed for sale$298,990
2023-11-27Sold$321,500

For Sale by Owner

AgentProperty Owner

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