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1645 Carolina Cir, Gastonia, NC, 28054

4beds
3baths
2,258sqft
$434,900
$193price/sqft
$2,978/moest. monthly cost
$119,120/yrincome needed

About This Home

NO HOA!! Brand new custom built home offers space, style, & thoughtful upgrades throughout. This is not a tract built home, the quality & superior craftmanship are evident as you enter the front door. Granite counters, LVP flooring on the main level & tiled bathrooms, for a clean, modern finish. Open bright white kitchen, dining & living areas flow together beautifully, perfect for entertaining. The primary suite features a tray ceiling, walk-in closet, & spa-like bath with dual sinks & a tiled shower. Upstairs also includes laundry room, spacious secondary bedrooms, & a huge loft area which could also be converted to another bedrm if needed. Built for efficiency & comfort, this home includes spray foam insulation & a tankless water heater. Step outside to a covered rear patio & flat backyard perfect for relaxing, gardening, or play. Set on a quiet street conveniently located just off S New Hope Rd, just minutes to shopping, restaurants, I-85 & the hospital. Offering seller paid closing costs!

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
1/10
W P Grier Middle SchoolGrades 6-81.2 mi
2/10
Ashbrook High SchoolGrades 9-120.5 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Construction materials: Fiber Cement

Other

  • Builder name: Completed Hornet Homes LLC

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Gas Water Heater,Microwave,Tankless Water Heater
  • Laundry features: Upper Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Upper

Dining Area

  • Level: Main

Features

  • Open Floorplan,Walk-In Closet(s)
  • Window features: Insulated Windows
  • Finished area below ground: 0
  • Finished area above ground: 2,258

Heating & Cooling

  • Heating features: Electric,Natural Gas
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 2,258
  • Total interior livable area: 2,258 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 310697
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch

Lot

  • Lot size: 0.26 Acres
  • Features: Cleared

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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Gaston 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 $2,199$26,388
Home Insurance *$214$2,568
Property Taxes $355$4,260
Electricity $210$2,523
Total$2,978$35,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,102/yr
40% on housing$89,340/yr
45% on housing$79,413/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: 16.2%
16.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 28054$124
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28054$171
Gaston County$187

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
2026-05-08Price change$434,900
2025-11-17Price change$438,900
2025-08-06Listed for sale$439,900
2025-08-06Listing removed$439,900
2025-07-10Price change$439,900
2025-06-16Price change$449,900
2025-06-05Price change$489,900
2025-05-25Listed for sale$499,900

New Construction

AgentWendy Eaves
BrokerageHoward Hanna Allen Tate Gastonia

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