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1304 Summerville Rd, Charlotte, NC, 28214

3beds
1baths
1,272sqft
$195,000
$153price/sqft
$1,372/moest. monthly cost
$54,880/yrincome needed

About This Home

**** AS-IS***** This property is being sold as-is. Seller will not be performing repairs or updates to the property. This 3 bd/1 bath home is being sold as is. The property sits on 0.69 Acres and is presently zoned for future development (N1-B). This is a single owner property since 1970. Main Structure is dated. Main Structure has gas, electric and water hookups. Large Garden area in rear of property has well access. Detached workshop/garage is approx 672 sq. ft, wired with full electrical and heavy duty grounded outlets for machinery. Property has been unoccupied for 12 months. Welcoming and Considering all reasonable offers. Additional informaiton available upon request.

Getting Around

14
WalkingCar-Dependent
33
TransitSome Transit
23
BikeSomewhat Bikeable

Schools

9/10
Paw Creek ElementaryGrades PK-51.3 mi
8/10
Coulwood MiddleGrades 6-81.7 mi
1/10
West Mecklenburg HighGrades 9-123.3 mi

Construction

Condition

  • Year built: 1948

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Range / Oven,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Stove,Electric,Gas,Wood / Pellet
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,272 sqft

Property

Details

  • Parcel number: 03505307

Features

  • Exterior features: Other
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 0.69 Acres

Parking

  • Parking features: Carport,Garage - Detached,Off-street

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 $986$11,832
Home Insurance *$72$864
Property Taxes $114$1,368
Electricity $200$2,405
Total$1,372$16,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$47,040/yr
40% on housing$41,160/yr
45% on housing$36,586/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

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 28214$160
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)

No zestimate history available

Price History

DateEventPrice
2026-04-07Listed for sale$210,000

For Sale by Owner

AgentProperty Owner

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