See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

101 Charles St, Cherryville, NC, 28021

3beds
1baths
1,199sqft
$225,000
$188price/sqft
$1,636/moest. monthly cost
$65,440/yrincome needed

About This Home

Welcome home to this charming Cherryville gem, thoughtfully updated with comfort and modern living in mind! Step inside to find beautiful updated flooring, a refreshed bathroom, and smart technology upgrades that add everyday convenience. The inviting built-in fireplace creates the perfect cozy centerpiece for relaxing evenings at home, while ample cabinetry throughout offers abundant storage and functionality. Outside, you’ll love the spacious deck as an ideal spot for entertaining, morning coffee, or simply unwinding. With plenty of room and a layout perfectly suited for a future pool, the backyard offers endless possibilities to create your own private outdoor retreat. Additionally, the roof and gutters and guards were all replaced in 2023! This home blends warmth, style, and potential in a wonderful Cherryville setting.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

7/10
8/10

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Electric Water Heater
  • Laundry features: Electric Dryer Hookup

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Hot Tub,Pantry,Storage
  • Flooring: Carpet,Vinyl
  • Fireplace features: Insert
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 1,199

Heating & Cooling

  • Heating features: Forced Air,Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,199
  • Total interior livable area: 1,199 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 129151
  • Zoning: R1
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Has spa: Yes
  • Spa features: Interior Hot Tub

Lot

  • Lot size: 0.29 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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

  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind

FEMA Declared Disasters in Gaston 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 $1,137$13,644
Home Insurance *$102$1,224
Property Taxes $197$2,364
Electricity $200$2,405
Total$1,636$19,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,091/yr
40% on housing$49,080/yr
45% on housing$43,626/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: 16.2%
16.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 28021$143
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28021$175
Gaston County$187

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
2026-06-09Listed for sale$225,000
2015-02-19Sold$67,000
2015-01-24Pending sale$67,000
2014-11-21Listed for sale$67,000

For Sale by Agent

AgentNikki Robinson
BrokerageLake Norman Realty, Inc

Similar Homes