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14109 Pinoli Pine Cir, Huntersville, NC, 28078

5beds
5baths
4,912sqft
$1,599,000
$326price/sqft
$10,013/moest. monthly cost
$400,520/yrincome needed

About This Home

This Classica home, built in 2022, is situated on one of the most desirable lots in Oak Farm. Featuring a premium stone façade, surrounded by HOA-owned land and mature trees, and showcasing countless high-end upgrades throughout, this property is truly a must-see. Step inside to discover a main-level primary suite featuring a tray ceiling, cozy sitting area, and a spa-inspired ensuite bath. The bathroom offers a walk-in shower with dual shower heads, a standalone soaking tub, dual vanities, and a spacious walk-in closet with direct access to a laundry room. The main level also offers two versatile flex spaces, ideal for a home office, gym, media room, or additional living area. Custom steel and glass doors elevate these spaces and create a stunning focal point. The chef’s kitchen is equipped with top-of-the-line Wolf appliances, including a 48-inch range and additional wall oven, along with quartz countertops, two dishwashers, a beverage refrigerator, a scullery with sink, and a walk-in pantry. The kitchen flows into both the dining area and the expansive living room, which features custom built-ins, a gas fireplace, integrated sound system, and access to the screened porch. Designed for year-round enjoyment, the screened porch includes retractable screens, a gas fireplace, and the perfect indoor/outdoor living experience. Upstairs, a loft offers additional entertaining space with a wet bar, beverage refrigerator, and sitting area. The upper level also includes two guest suites with ensuite baths, plus two additional bedrooms connected by a Jack-and-Jill bath with double vanity and tub/shower combo. A second laundry room completes the upper level. Outside, enjoy a fully fenced backyard with a raised garden bed and native blackberries that bloom during the summer months. The three-car garage is pre-wired with a 50-amp electrical charging system for Level 2 EV charging. Additional highlights include interior wall insulation, an ADT pre-wired security system and a whole-house surge protector. Residents enjoy community amenities including a playground and firepit. Conveniently located near Northstone Country Club (~2 miles), Birkdale Village (~3 miles), and Lake Norman (~5 miles), this home offers luxury living in an unbeatable location.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

6/10
Huntersville ElementaryGrades K-52.6 mi
10/10
Bailey Middle SchoolGrades 6-81.7 mi
6/10
William Amos Hough HighGrades 9-121.6 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Slab
  • Construction materials: Stucco,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Electric Water Heater,Exhaust Hood,Gas Range,Microwave,Wall Oven
  • Laundry features: Laundry Room,Main Level,Multiple Locations,Upper Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Area

  • Level: Main

Features

  • Drop Zone,Kitchen Island,Open Floorplan,Storage,Walk-In Closet(s),Walk-In Pantry,Wet Bar
  • Flooring: Carpet,Tile,Vinyl
  • Fireplace features: Gas,Living Room,Porch
  • Attic: Walk-In
  • Finished area below ground: 0
  • Finished area above ground: 4,912

Flex Space

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 4,912
  • Total interior livable area: 4,912 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Loft

  • Level: Upper

Office

  • Level: Main

Other

  • Level: Main

Other

  • Level: Upper

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 01105208
  • Zoning: TR
  • Special condition: Standard
  • Exclusions: bike racks and paddle board racks in garage

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch,Rear Porch,Screened
  • Exterior features: In-Ground Irrigation
  • Fencing: Back Yard,Fenced,Full

Lot

  • Lot size: 0.28 Acres

Parking

  • Total spaces: 3
  • Parking features: Driveway,Attached Garage,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 FloodingModerate

How This Home’s Risks Compare

Inland Flooding

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 $8,085$97,020
Home Insurance *$478$5,736
Property Taxes $993$11,916
Electricity $457$5,490
Total$10,013$120,156
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$343,302/yr
40% on housing$300,390/yr
45% on housing$267,013/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

$326This listing

vs Other Active Listings

Avg $/sqft

ZIP 28078$221
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28078$221
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
2026-05-09Listed for sale$1,650,000
2023-04-21Sold$1,399,839
2023-02-08Pending sale$1,396,779
2023-02-07Listing removed--
2022-09-02Sold$215,000
2022-07-17Pending sale$1,396,779
2022-07-17Listed for sale$1,396,779

For Sale by Agent

AgentPhil Puma
BrokeragePuma & Associates Realty, Inc.

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