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12009 Wild Ginger Ln, Mint Hill, NC, 28227

5beds
4baths
3,044sqft
$679,900
$223price/sqft
$4,358/moest. monthly cost
$174,320/yrincome needed

About This Home

A LARGE GEORGIOUS DESIGNED TWO-STORY PLAN THAT HAS IT ALL…INCLUDING A 3-CAR GARAGE, 4- BED ROOM AND 1 HUGE BONUS ROOM ON THE SECOND FLOOR. THE 1ST FLOOR’S OPEN CONCEPT FEATURES A LIGHT-FILLED KITCHEN WITH STAINLESS STEEL APPLIANCES, GAS COOKTOP, GRANITE COUNTERTOPS, TILE BACKSPLASH, LARGE ISLAND; ALL WHILE OVERLOOKING THE BREAKFAST AREA AND BIG FAMILY ROOM WITH FIREPLACE. IN ADDITION, THERE IS A FORMAL DINING ROOM, STUDY ROOM ( OFFICE) WITH FRENCH DOORS AND POWDER ROOM. ALL BEDROOMS INCLUDING THE OWNER’S RETREAT ARE ON THE 2ND FLOOR ALONG WITH A HUGE BONUS ROOM AND CONVENIENTLY PLACED LAUNDRY ROOM. MANY UPGRADES HAVE BEEN ADDED INCLUDING A WOOD STAIRCASE WITH WROUGHT IRON BALUSTERS, LEADED GLASS FRONT DOOR AND HW FLOORS ON THE MAIN LEVEL. ENJOY LIFE IN THIS BEAUTIFUL HOME IN LOVELY AND QUAINT MINT HILL. Interior Highlights: Spacious Layout: Two-Story Foyer Opens To A Flexible Floor Plan. Main Level: Formal Living Room (Or Office) And Separate Dining Room. Great Room: Open-Concept Family Room With A Cozy Gas Fireplace. Kitchen: Features Ample Cabinet Space, Generous Countertops, Island And A Sunny Breakfast Nook. Primary Suite: Upstairs Retreat With A Walk-In Closet And En-Suite Bath With Dual Vanities. Additional Bedrooms: Three Secondary Bedrooms Are Well-Sized And Share A Full Hall Bathroom. Exterior & Lot: ** Massive Deck:** Perfect For Outdoor Dining And Entertaining. Fire Pit Area: A Fantastic Spot For Evening Gatherings. Huge Lot: Provides Incredible Space For Play, Gardening, And Relaxation. Location & Community: Highly Sought-After Mint Hill, Nc 28227 Address. Part Of The Esteemed Mecklenburg School District. Minutes from shopping centers, grocery stores, and local restaurants. Easy commute to Uptown Charlotte via US-74 and I-485. ALL EQUIPMENTS, APPLIANCES AND HVAC WAS INSTALLED IN (2022-2023) AND ALL ARE ALMOST NEW CONDITION.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

9/10
Clear Creek ElementaryGrades PK-52.7 mi
5/10
Northeast MiddleGrades 6-85.3 mi
6/10
Independence HighGrades 9-125.0 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Crawl Space
  • Construction materials: Fiber Cement,Stone Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Convection Oven,Dishwasher,Disposal,Exhaust Fan,Gas Range
  • Laundry features: Electric Dryer Hookup,Upper Level

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Upper

Features

  • Breakfast Bar,Kitchen Island,Open Floorplan,Storage,Walk-In Closet(s),Walk-In Pantry
  • Door features: Insulated Door(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Hardwood,Tile
  • Fireplace features: Family Room
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 3,044

Heating & Cooling

  • Heating features: Central,Forced Air,Heat Pump,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,044
  • Total interior livable area: 3,044 sqft

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Upper

Property

Details

  • Parcel number: 13946205
  • Zoning: R
  • Special condition: Standard
  • Exclusions: none

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Front Porch,Porch
  • Exterior features: Other - See Remarks

Lot

  • Lot size: 0.71 Acres
  • Features: Other - See Remarks

Parking

  • Total spaces: 3
  • Parking features: Attached Garage,Garage Door Opener,Garage Faces Front,Garage Faces Side,Parking Space(s),Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

No climate risk data available.

How This Home’s Risks Compare

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 $3,437$41,244
Home Insurance *$217$2,604
Property Taxes $421$5,052
Electricity $283$3,402
Total$4,358$52,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,417/yr
40% on housing$130,740/yr
45% on housing$116,213/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

$223This listing

vs Other Active Listings

Avg $/sqft

ZIP 28227$195
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28227$222
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
2025-11-22Price change$679,900
2025-11-05Price change$685,000
2025-09-17Price change$694,900
2025-08-22Listed for sale$710,000
2023-02-17Sold$610,500

For Sale by Agent

AgentSiang Ling
BrokerageKeller Williams Select

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