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5923 Swanston Dr, Charlotte, NC, 28269

4beds
3baths
2,535sqft
$490,000
$193price/sqft
$3,237/moest. monthly cost
$129,480/yrincome needed

About This Home

Beautiful 4-bedroom home in the desirable Highland Creek community! This spacious home features a fantastic floorplan with plenty of natural light from large windows throughout. The open layout offers great flow between living areas, perfect for entertaining or everyday living. Enjoy the outdoors on the back deck overlooking a spacious lot surrounded by mature trees, providing shade and privacy. Located in a sought-after neighborhood with great amenities, this home is the perfect blend of comfort and convenience!

Getting Around

9
WalkingCar-Dependent
0
TransitNo Nearby Transit
23
BikeSomewhat Bikeable

Schools

6/10
2/10
Ridge Road Middle SchoolGrades 6-80.4 mi
4/10
Mallard Creek HighGrades 9-121.2 mi

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Partial,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Dining Room

  • Level: Main

Features

  • Fireplace features: Living Room
  • Finished area below ground: 0
  • Finished area above ground: 2,535

Heating & Cooling

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

Interior Area

  • Total structure area: 2,535
  • Total interior livable area: 2,535 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Utility Room

  • Level: Upper

Property

Details

  • Parcel number: 02948362
  • Zoning: R-9PUD
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.22 Acres

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

  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
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 $2,477$29,724
Home Insurance *$210$2,520
Property Taxes $314$3,768
Electricity $236$2,833
Total$3,237$38,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,982/yr
40% on housing$97,110/yr
45% on housing$86,320/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

$193This 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
2026-05-07Price change$485,000
2026-04-17Price change$490,000
2026-03-21Price change$500,000
2026-02-11Price change$515,000
2026-01-10Price change$525,000
2025-11-11Listed for sale$555,000
2025-10-02Sold$555,000
2009-10-02Sold$248,000
2009-05-02Listed for sale$264,900
2003-07-31Sold$207,000
1999-06-02Sold$188,000

For Sale by Agent

AgentLisa Belk
BrokerageMark Spain Real Estate

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