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3421 Zelda Ln, Matthews, NC, 28105

5beds
4baths
3,481sqft
$1,229,000
$353price/sqft
$7,639/moest. monthly cost
$305,560/yrincome needed

About This Home

Gorgeous custom-built home situated on a large 0.7-acre lot with mature trees. Close to Charlotte, yet tucked away for added privacy. Offering 3,400 sq. ft., this home features 5 bedrooms and 4 bathrooms with custom details throughout. The primary suite includes a freestanding tub and spacious walk-in closet. Exposed beams add warmth and character to the living room and kitchen. The kitchen features custom cabinetry, an intricate island, gas range, built-in refrigerator, and a large “hidden” walk-in pantry. Enjoy the beautiful English country-inspired dining room and elegant wall moldings throughout the home. Two drop zones are conveniently located off the entry and garage. Plenty of storage throughout.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
5/10
Mint Hill Middle SchoolGrades 6-81.2 mi
6/10
David W Butler HighGrades 9-121.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Brick Partial,Hardboard Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Gas Range,Refrigerator,Refrigerator with Ice Maker
  • Laundry features: Upper Level

Bedrooms & Bathrooms

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

Features

  • Drop Zone,Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s),Walk-In Pantry
  • Door features: French Doors
  • Window features: Insulated Windows
  • Flooring: Laminate,Tile
  • Fireplace features: Gas,Gas Log
  • Finished area below ground: 0
  • Finished area above ground: 3,481

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,481
  • Total interior livable area: 3,481 sqft

Kitchen

  • Features: Drop Zone,Kitchen Island,Open Floorplan,Walk-In Closet(s),Walk-In Pantry
  • Level: Main

Primary Bedroom

  • Features: En Suite Bathroom,Tray Ceiling(s),Walk-In Closet(s)
  • Level: Upper

Property

Details

  • Parcel number: 19332342
  • Zoning: R-20
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Patio
  • Fencing: Partial

Lot

  • Lot size: 0.64 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front,Parking Garage,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

  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
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 $6,214$74,568
Home Insurance *$395$4,740
Property Taxes $706$8,472
Electricity $324$3,890
Total$7,639$91,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$261,908/yr
40% on housing$229,170/yr
45% on housing$203,706/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

$353This listing

vs Other Active Listings

Avg $/sqft

ZIP 28105$264
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28105$228
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
2026-08-11Price change$1,199,000
2026-06-18Price change$1,229,000
2026-06-11Price change$1,259,000
2026-06-05Price change$1,289,000
2026-05-29Listed for sale$1,319,000

New Construction

AgentTracy Dowling
BrokerageHomecoin.com

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