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9220 Garnet Field Ct, Charlotte, NC, 28269

3beds
3baths
1,555sqft
$329,000
$212price/sqft
$2,217/moest. monthly cost
$88,680/yrincome needed

About This Home

Step into comfort and charm with this inviting 3-bedroom, 2.5-bath home with an upstairs additional flex space great for an office or a gym! This property offers 1,555 square feet of thoughtfully designed living space on a generous 0.34-acre lot in Charlotte. From the moment you arrive, you'll appreciate the balance of cozy interiors and expansive outdoor living. Inside, the layout provides a seamless flow between living, dining, and kitchen areas--perfect for both everyday living and entertaining. All of the windows and patio doors were replaced in April of 2019 and have a lifetime warranty that transfers to the new owner! Upstairs, you'll find well-sized bedrooms, including a relaxing primary suite with its own private bath. The real standout is the outdoor space. A beautifully designed, oversized back deck creates the ideal setting for grilling, hosting friends, or simply unwinding after a long day. Step down into the spacious backyard where a dedicated fire pit area invites cozy evenings under the stars. The roof was replaced in 2000 and the HVAC was replaced in 2023! With ample yard space, room to entertain, and a peaceful atmosphere, this property offers the best of indoor comfort and outdoor enjoyment--all in a convenient Charlotte location.

Getting Around

5
WalkingCar-Dependent
0
TransitNo Nearby Transit
26
BikeSomewhat Bikeable

Schools

3/10
Legette Blythe ElementaryGrades PK-51.8 mi
1/10
John M Alexander MiddleGrades 6-81.9 mi
6/10
North Mecklenburg HighGrades 9-121.7 mi

Construction

Condition

  • Year built: 1999

Materials

  • Roof: Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence,Residential

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,555

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,555
  • Total interior livable area: 1,555 sqft

Property

Details

  • Parcel number: 02761156
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Has view: Yes

Lot

  • Lot size: 0.34 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $1,663$19,956
Home Insurance *$141$1,692
Property Taxes $213$2,556
Electricity $200$2,405
Total$2,217$26,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,011/yr
40% on housing$66,510/yr
45% on housing$59,120/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

$212This listing

vs Other Active Listings

Avg $/sqft

ZIP 28269$162
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28269$192
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
2026-05-08Price change$332,000
2026-04-29Price change$337,900
2026-04-17Price change$344,900
2026-04-08Listed for sale$350,000
1999-07-14Sold$128,500

For Sale by Agent

AgentShea Smith
BrokerageNorthGroup Real Estate, Inc.

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