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13320 Cozy Ct, Charlotte, NC, 28215

3beds
3baths
2,470sqft
$590,000
$239price/sqft
$3,755/moest. monthly cost
$150,200/yrincome needed

About This Home

New Construction in the desirable Cresswind community. This stunning 3-bedroom, 2.5-bath Oakside model with a 2-car garage is loaded with designer upgrades from top to bottom. The gourmet kitchen impresses with upgraded cabinetry, quartz countertops, a full-height tile backsplash, and a complete GE Profile appliance suite including a gas cooktop, chimney hood, and wall ovens. The spa-inspired primary bath features a dual-head walk-in shower with a frameless glass enclosure and upscale tile finishes throughout. A butler's pantry, gas fireplace with custom mantel, coffered ceiling, and upgraded crown molding add architectural elegance, while luxury EVP flooring flows seamlessly throughout the main living areas and the Primary bedroom. Step outside to the covered rear porch that extends to a Trex deck with black railing, perfect for entertaining, and enjoy exceptional privacy with no rear neighbors and a tree-lined backdrop. Floored light attic storage, RADIANT BARRIER and premium finishes at every turn make this home truly move-in ready.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
16
BikeSomewhat Bikeable

Schools

9/10
Clear Creek ElementaryGrades PK-51.0 mi
5/10
Northeast MiddleGrades 6-83.8 mi
3/10
Rocky River HighGrades 9-121.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Construction materials: Fiber Cement,Stone Veneer

Other

  • Builder model: Oakside
  • Builder name: Kolter Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Hood,Gas Cooktop,Microwave,Plumbed For Ice Maker,Self Cleaning Oven,Tankless Water Heater
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Den

  • Level: Main

Dining Room

  • Level: Main

Features

  • Kitchen Island,Open Floorplan,Walk-In Closet(s),Walk-In Pantry
  • Flooring: Carpet,Tile,Vinyl
  • Fireplace features: Gas,Gas Vented,Living Room
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,470

Heating & Cooling

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

Interior Area

  • Total structure area: 2,470
  • Total interior livable area: 2,470 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: Two or More Access Exits

Details

  • Parcel number: 11122474
  • Zoning: Res
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Covered,Front Porch,Rear Porch
  • Exterior features: In-Ground Irrigation,Lawn Maintenance
  • Spa features: Community

Lot

  • Lot size: 0.20 Acres
  • Features: Private

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Door Opener,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

  • 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 $2,983$35,796
Home Insurance *$203$2,436
Property Taxes $339$4,068
Electricity $230$2,760
Total$3,755$45,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,742/yr
40% on housing$112,650/yr
45% on housing$100,133/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

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 28215$177
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28215$201
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
2026-04-23Listed for sale$714,990

New Construction

AgentEmilie Davis
BrokerageEXP Realty LLC Mooresville

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