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108 S Gregg St, Charlotte, NC, 28208

3beds
3baths
2,042sqft
$649,500
$318price/sqft
$4,088/moest. monthly cost
$163,520/yrincome needed

About This Home

Contemporary Luxury Townhome Opportunity in Smallwood Near Uptown| Duet Style New Construction- Designed to live like a single family home. Positioned in the growing Smallwood neighborhood just outside Uptown Charlotte, this newly constructed townhome at 108 S Gregg Street offers a blend of modern design and everyday livability. Built by Vista Homes, a local builder with more than 13 years of experience in the Charlotte market, this residence reflects quality craftsmanship and thoughtful planning throughout. The home features 3 bedrooms, 2.5 bathrooms, and a private 1-car garage. The main living area is designed for functionality and flow, highlighted by 10-foot ceilings and an open layout that connects the living, dining, and kitchen spaces. The kitchen is outfitted with a large island, ideal for both casual dining and entertaining, along with stylish, modern finishes. Natural light fills the interior, while large sliding doors open to a spacious patio, creating an easy transition between indoor and outdoor living. With no HOA and no rental restrictions, this property provides flexibility for a variety of buyers, including those seeking a primary residence or investment opportunity. Estimated completion is Fall 2026. A well-located, low-maintenance home with strong long-term potential in one of Charlotte’s evolving urban neighborhoods. **School enrollment, boundaries, and busing eligibility are determined solely by CMS and are subject to change without notice. While deemed reliable, all school information provided in this listing is not guaranteed. It is the Buyer’s sole responsibility to contact the school district to confirm current and future enrollment eligibility for this specific address.

Getting Around

24
WalkingCar-Dependent
47
TransitSome Transit
39
BikeSomewhat Bikeable

Schools

4/10
Bruns Avenue ElementaryGrades PK-50.6 mi
3/10
Ranson MiddleGrades 6-83.9 mi
5/10
West Charlotte HighGrades 9-121.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Hardboard Siding

Other

  • Builder model: Sparrow
  • Builder name: Vista Homes

Type & Style

  • Home type: Townhouse
  • Architectural style: Arts and Crafts,Transitional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Hood,Gas Range,Microwave,Plumbed For Ice Maker,Tankless Water Heater,Wine Refrigerator
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Closet,Upper Level,Washer Hookup

Bathroom Full

  • Level: Upper

Bathroom Half

  • Features: None
  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Features: Coffered Ceiling(s),Open Floorplan
  • Level: Upper

Bedrooms & Bathrooms

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

Dining Area

  • Features: Wet Bar
  • Level: Main

Family Room

  • Features: Open Floorplan
  • Level: Main

Features

  • Kitchen Island,Open Floorplan,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Window features: Insulated Windows
  • Flooring: Tile,Vinyl
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,042

Heating & Cooling

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

Interior Area

  • Total structure area: 2,042
  • Total interior livable area: 2,042 sqft

Kitchen

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

Laundry

  • Level: Upper

Loft

  • Level: Upper

Primary Bedroom

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

Property

Details

  • Parcel number: 06902535
  • Zoning: Residential
  • Special condition: Standard
  • Other equipment: Network Ready
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Front Porch,Patio

Lot

  • Lot size: 0.09 Acres
  • Features: Cleared,Corner Lot,Level
  • Lot size dimensions: 35 x 108 x 35 x 114

Parking

  • Total spaces: 1
  • Parking features: Attached Garage,Garage Door Opener,Garage Faces Front,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

How This Home’s Risks Compare

Inland Flooding

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 $3,284$39,408
Home Insurance *$231$2,772
Property Taxes $373$4,476
Electricity $200$2,405
Total$4,088$49,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,160/yr
40% on housing$122,640/yr
45% on housing$109,013/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

$318This listing

vs Other Active Listings

Avg $/sqft

ZIP 28208$196
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28208$258
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
2026-05-03Listed for sale$649,900

New Construction Spec

AgentJune Dunham
BrokerageEXP Realty LLC

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