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3632 Spencer St, Charlotte, NC, 28205

3beds
3baths
1,349sqft
$439,000
$325price/sqft
$2,784/moest. monthly cost
$111,360/yrincome needed

About This Home

Introducing Anderson Street Townhomes, a new townhome community in Charlotte. This small community offers four-story townhomes with 1,349sq. ft. 3 bedrooms, 2.5 baths and 2 car garage. The 4th floor offers a loft with a closet that can be used as a 3rd bedroom or office space as well. This convenient location offers easy access to anywhere you want to be in Charlotte. As you step inside, you'll immediately notice the attention to detail and high-quality finishes throughout. The kitchen boasts beautiful birch cabinets with crown molding, quartz countertops with tile backsplash, and stainless-steel appliances. The open floorplan designs are perfect for entertaining and the exterior schemes and elevations of our homes were carefully designed to create a beautiful streetscape that you'll be proud to call home. Homes in this neighborhood will come equipped with smart home technology, allowing you to easily control your home. With a video doorbell, garage door control, lighting ,door lock, thermostat and voice that are all controlled through one convenient app. Whether it's adjusting the temperature or turning on the lights, convenience is at your fingertips. With these great townhome floorplans, modern features and convenient location just minutes from all that Charlotte has to offer, Anderson Street Townhomes is truly a gem. Don't miss out on the opportunity to make it your own.

Getting Around

61
WalkingSomewhat Walkable
53
TransitGood Transit
51
BikeBikeable

Schools

3/10
Villa Heights ElementaryGrades K-51.2 mi
7/10
Eastway MiddleGrades 6-82.7 mi
1/10
Garinger High SchoolGrades 9-120.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

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

Other

  • Builder model: Calton A2
  • Builder name: D.R. Horton

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven,Other
  • Laundry features: Laundry Room,Washer Hookup

Bathroom Full

  • Level: Third

Bathroom Full

  • Level: Third

Bathroom Half

  • Level: Upper

Bedroom S

  • Level: Third

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Area

  • Level: Upper

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,349

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 811
  • Total interior livable area: 1,349 sqft

Kitchen

  • Level: Upper

Living Room

  • Level: Upper

Primary Bedroom

  • Level: Third

Property

Details

  • Parcel number: 09106329
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Four
  • Stories: 4
  • Entry location: Main

Lot

  • Lot size: 0.02 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage Faces Rear,Tandem,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

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 $2,219$26,628
Home Insurance *$113$1,356
Property Taxes $252$3,024
Electricity $200$2,405
Total$2,784$33,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,451/yr
40% on housing$83,520/yr
45% on housing$74,240/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

$325This listing

vs Other Active Listings

Avg $/sqft

ZIP 28205$283
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28205$345
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
2026-01-28Listed for sale$463,410

New Construction Spec

AgentMaria Wilhelm
BrokerageDR Horton Inc

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