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622 Emerald Cove Dr, Charlotte, NC, 28262

2beds
3baths
1,084sqft
$241,000
$222price/sqft
$1,680/moest. monthly cost
$67,200/yrincome needed

About This Home

Beautifully maintained and move-in ready, this home stands out in today’s market. The kitchen has been thoughtfully updated and the HVAC system has already been upgraded, giving buyers peace of mind where it matters most. Even better, the HOA covers roof responsibility, helping reduce long-term maintenance concerns. The home offers comfortable living with no immediate major work needed, while still allowing buyers to personalize cosmetic finishes over time. Strategically priced based on recent neighborhood sales and current market activity. Homes in this condition and price point do not last long. Schedule your showing today.

Getting Around

39
WalkingCar-Dependent
45
TransitSome Transit
42
BikeSomewhat Bikeable

Schools

5/10
4/10
James Martin MiddleGrades 6-81.5 mi
3/10

Construction

Condition

  • Year built: 1997

Materials

  • Construction materials: Other

Type & Style

  • Home type: Townhouse
  • Architectural style: Loft
  • Property subType: Townhouse,Condominium,Apartment

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Central Air,Electric

Features

  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas Log

Interior Area

  • Total interior livable area: 1,084 sqft

Property

Details

  • Parcel number: 04732211
  • Special condition: Standard
  • Exclusions: NA

Features

  • Exterior features: Other
  • Living area range: 1001-1100

Lot

  • Lot size: 958.32 sqft
  • Features: < 1/4 Acre

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 FloodingRelatively High
  • 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 $1,218$14,616
Home Insurance *$111$1,332
Property Taxes $151$1,812
Electricity $200$2,405
Total$1,680$20,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,600/yr
40% on housing$50,400/yr
45% on housing$44,800/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

$222This listing

vs Other Active Listings

Avg $/sqft

ZIP 28262$175
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28262$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
2026-02-17Listed for sale$295,000
2019-10-28Sold$137,900
2019-09-18Pending sale$139,000
2019-09-12Listed for sale$139,000
2018-07-20Listing removed$1,075
2018-06-29Listed for rent$1,075
2017-06-11Listing removed$1,075
2017-05-19Listed for rent$1,075
2015-06-16Listing removed$950
2015-05-26Listed for rent$950
1998-01-07Sold$99,000

For Sale by Agent

AgentDARK HORSE GROUP POWERED BY LPT REALTY
BrokerageLPT REALTY LLC

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