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3106 Middle St, Charlotte, NC, 28278

3beds
4baths
1,880sqft
$439,900
$234price/sqft
$2,808/moest. monthly cost
$112,320/yrincome needed

About This Home

Welcome to The River District—a true master-planned community designed for the way you live, work, and play. This beautifully appointed Landon three-story townhome offers exceptional flexibility and style. The main level features an office with french doors as well as a full bathroom. Upstairs, the heart of the home shines with a gourmet kitchen showcasing quartz countertops, a built-in oven and microwave, electric cooktop, and soft-close cabinetry. The open-concept dining and living areas provide an inviting space for entertaining, with sliding glass doors leading to your private balcony—ideal for morning coffee or evening relaxation. The third level hosts a serene owner’s retreat, complete with a bright and airy bedroom and a spa-inspired bath designed for ultimate comfort. Two additional bedrooms, a full bath, and a conveniently located laundry area complete the upper floor. Every detail of this home has been thoughtfully curated, with interior design finishes individually hand-selected by our professional design team. Location truly sets this home apart. At The River District, you’re just minutes from everything you need. The community will feature resort-style amenities including a pool, clubhouse with fitness center, tennis and pickleball courts, parks, scenic trails, a working two-acre farm with an on-site farmer, and a stunning riverfront amphitheater. Experience elevated living in a vibrant community where convenience meets connection. Estimated completion: mid July

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
9
BikeSomewhat Bikeable

Schools

2/10
Berewick ElementaryGrades PK-51.5 mi
7/10
Robert F Kennedy MiddleGrades 6-83.3 mi
5/10
Olympic High SchoolGrades 9-123.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

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

Other

  • Builder model: Landon-Study Middle
  • Builder name: DRB Homes

Type & Style

  • Home type: Townhouse
  • Architectural style: Modern
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Hood,Microwave,Wall Oven
  • Laundry features: Laundry Closet,Third Level

Bathroom Full

  • Level: Third

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Third

Bathroom Half

  • Level: Upper

Bedroom S

  • Level: Third

Bedroom S

  • Level: Third

Bedrooms & Bathrooms

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

Dining Area

  • Level: Upper

Features

  • Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
  • Door features: Screen Door(s),Sliding Doors
  • Flooring: Carpet,Tile,Vinyl
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 1,880

Heating & Cooling

  • Heating features: Forced Air,Zoned
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,093
  • Total interior livable area: 1,880 sqft

Kitchen

  • Features: Kitchen Island,Open Floorplan
  • Level: Upper

Laundry

  • Level: Third

Living Room

  • Features: Open Floorplan
  • Level: Upper

Primary Bedroom

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

Study

  • Level: Main

Property

Details

  • Parcel number: 11320361
  • Zoning: R-3
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Entry location: Main
  • Pool features: Community
  • Patio & porch: Balcony
  • Waterfront features: Dock,Paddlesport Launch Site - Community
  • Waterbody name: Catawba River

Lot

  • Lot size: 0.03 Acres
  • Lot size dimensions: 65 x 20

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Faces Rear,On Street,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

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 $2,224$26,688
Home Insurance *$132$1,584
Property Taxes $252$3,024
Electricity $200$2,405
Total$2,808$33,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,274/yr
40% on housing$84,240/yr
45% on housing$74,880/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

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 28278$226
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28278$214
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
2026-03-24Listed for sale$462,990

New Construction

AgentSamantha Castadoro
BrokerageDRB Group of North Carolina, LLC

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