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13120 Architecture Ct, Charlotte, NC, 28214

4beds
3baths
2,203sqft
$391,500
$178price/sqft
$2,553/moest. monthly cost
$102,120/yrincome needed

About This Home

HOME OF THE MONTH! Discover the Elder, one of our most popular and well-loved floor plans at Bozardt Farms! This home shines with a bright open layout, a versatile loft space, and a stunning gourmet kitchen, perfect for everyday living and gathering. All offered at an incredible starting price point!

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
20
BikeSomewhat Bikeable

Schools

7/10
Whitewater AcademyGrades PK-51.0 mi
5/10
Whitewater Middle SchoolGrades 6-81.0 mi
2/10
West Mecklenburg HighGrades 9-122.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Other

  • Builder model: Elder
  • Builder name: Ryan Homes

Type & Style

  • Home type: SingleFamily
  • Architectural style: Transitional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Oven,Electric Range,Electric Water Heater,Exhaust Fan,Microwave,Plumbed For Ice Maker,Refrigerator with Ice Maker,Washer/Dryer
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Closet,Upper Level,Washer Hookup

Bathroom Full

  • Level: Upper

Bathroom Full

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

Bathroom Half

  • Level: Main

Bedroom S

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

Bedroom S

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

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
  • Window features: Insulated Windows
  • Flooring: Carpet,Vinyl
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,203

Flex Space

  • Level: Main

Great Room

  • Features: Open Floorplan
  • Level: Main

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,203
  • Total interior livable area: 2,203 sqft

Kitchen

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

Laundry

  • Level: Upper

Primary Bedroom

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

Property

Details

  • Parcel number: 05308524
  • Zoning: N1-A
  • Special condition: Standard

Features

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

Lot

  • Lot size: 0.14 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,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
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
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 $1,979$23,748
Home Insurance *$144$1,728
Property Taxes $225$2,700
Electricity $205$2,462
Total$2,553$30,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,531/yr
40% on housing$76,590/yr
45% on housing$68,080/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

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 28214$159
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28214$196
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
2026-08-08Price change$403,990
2026-06-30Price change$391,500
2026-06-23Listed for sale$399,990

New Construction

AgentJerry Smith
BrokerageSmith Capital Partners LLC

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