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343 Ox Bow Cir, Mount Holly, NC, 28120

3beds
2baths
1,701sqft
$395,900
$233price/sqft
$2,637/moest. monthly cost
$105,480/yrincome needed

About This Home

Attractive three bedroom, two bath home in River Park community in Mount Holly, NC. This single-story 1701 square foot residence built in 2022 has an open concept layout with neutral paint, wood like vinyl flooring and Levolor custom blinds throughout. Kitchen features include plentiful storage, granite countertops, stainless steel appliances and pantry. Adjoining dining area and foyer has chair rail with shadow boxing. Spacious primary bedroom has a walk in closet and an ensuite bathroom with a walk-in shower. There are two additional bedrooms, a full bathroom and laundry room. Community amenities include a walking trail, playground, pool and clubhouse. Conveniently located near Charlotte and downtown Mount Holly.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

5/10
4/10
6/10

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: None
  • Construction materials: Fiber Cement,Stone Veneer

Other

  • Builder model: PEARSON C
  • Builder name: SMITH DOUGLAS

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Cooktop,Electric Oven,Electric Range,Electric Water Heater,Exhaust Fan,Exhaust Hood,Microwave,Oven,Plumbed For Ice Maker,Refrigerator,Self Cleaning Oven
  • Laundry features: Electric Dryer Hookup,Laundry Room,Sink,Washer Hookup

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s),Walk-In Pantry
  • Flooring: Carpet,Tile,Vinyl
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 1,701

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,701
  • Total interior livable area: 1,701 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Two or More Access Exits,Bath Raised Toilet,Door Width 32 Inches or More,Swing In Door(s),No Interior Steps

Details

  • Parcel number: 305719
  • Zoning: sfr
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Patio,Porch

Lot

  • Lot size: 0.23 Acres
  • Features: Cul-De-Sac,Sloped,Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage Door Opener,Garage Faces Front,Parking Space(s),Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 StormModerate

How This Home’s Risks Compare

Ice Storm

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 $2,001$24,012
Home Insurance *$132$1,584
Property Taxes $304$3,648
Electricity $200$2,405
Total$2,637$31,644
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,411/yr
40% on housing$79,110/yr
45% on housing$70,320/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

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 28120$172
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28120$199
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
2026-05-01Price change$395,900
2026-04-02Listed for sale$409,000
2025-09-19Listing removed$395,900
2025-08-20Price change$395,900
2025-07-10Price change$397,900
2025-03-12Price change$399,900
2024-12-06Price change$403,000
2024-09-17Listed for sale$408,000
2022-12-02Sold$380,000
2022-06-29Sold$272,000

For Sale by Agent

AgentStephen Scott
BrokerageRealty Dynamics Inc.

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