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5433 Vernon Ridge Rd #129, Huntersville, NC, 28078

5beds
6baths
3,605sqft
$974,000
$270price/sqft
$6,111/moest. monthly cost
$244,440/yrincome needed

About This Home

The elegantly designed Atwater offers a harmonious blend of elegance and functionality. The open foyer extends past a sophisticated dining room into the expansive 2 story great room and bright casual dining area, which seamlessly connects to a lovely covered patio. The gourmet kitchen features a center island with a breakfast bar, abundant counter and cabinet space, a walk-in pantry, and a convenient passthrough to the formal dining room—perfect for effortless entertaining. On the second floor, the serene primary bedroom offers a private escape, showcasing a walk-in closet and a relaxing bath complete with a dual-sink vanity, a luxe shower with a seat and free standing tub, a linen closet, and a private water closet. Three generous secondary bedrooms surround a stunning loft space — all the secondary bedrooms feature walk-in closets and have ensuite bathrooms. Additional highlights include a lovely first-floor secondary bedroom suite, a flex room just off the foyer, convenient everyday entry, easily accessible second-floor laundry, and a two-car garage. All this in Huntersville newest community! A new Master Plan neighborhood featuring 357 single-family homes. Pool, clubhouse and walking trails that will connect to the Greenway. Great Shopping and restaurants nearby, quick access to I-77, I-85, and I-485, conveniently located to uptown Charlotte, UNC Research Park, UNC Charlotte, and the Lake Norman Area.

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

8/10
6/10
Francis Bradley MiddleGrades 6-83.4 mi
4/10
Hopewell HighGrades 9-123.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Fiber Cement,Stone

Other

  • Builder model: Atwater Contemporary
  • Builder name: Toll Brothers

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Gas Cooktop,Gas Water Heater,Microwave,Refrigerator with Ice Maker,Wall Oven,Washer,Wine Refrigerator
  • Laundry features: Laundry Room,Main Level

Bedroom S

  • Features: En Suite Bathroom
  • Level: Upper

Bedroom S

  • Features: En Suite Bathroom
  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main

Features

  • Flooring: Carpet,Tile,Vinyl
  • Fireplace features: Gas,Great Room
  • Finished area below ground: 0
  • Finished area above ground: 3,605

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,605
  • Total interior livable area: 3,605 sqft

Kitchen

  • Features: Kitchen Island
  • Level: Main

Loft

  • Level: Upper

Primary Bedroom

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

Property

Details

  • Parcel number: 00905365
  • Zoning: MX-3
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Covered,Front Porch,Rear Porch

Lot

  • Lot size: 0.21 Acres
  • Features: Level

Parking

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

  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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 $4,925$59,100
Home Insurance *$291$3,492
Property Taxes $560$6,720
Electricity $335$4,029
Total$6,111$73,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$209,520/yr
40% on housing$183,330/yr
45% on housing$162,960/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

$270This listing

vs Other Active Listings

Avg $/sqft

ZIP 28078$222
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28078$221
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
2026-04-20Listed for sale$934,000

New Construction Spec

AgentAmanda Chaney
BrokerageToll Brothers Real Estate Inc

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