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129 S Gardner Ave, Charlotte, NC, 28208

4beds
4baths
2,297sqft
$814,900
$355price/sqft
$5,133/moest. monthly cost
$205,320/yrincome needed

About This Home

Built in 2022 and minutes from Uptown, this custom home combines a main level primary suite, dedicated office, upstairs loft, three additional bedrooms, fenced quarter acre yard and two car garage, with no HOA. The open main level connects the kitchen and living spaces directly to the backyard, while the flexible second floor adds room for guests, work or a second living area. From the moment you arrive, the covered front porch sets up a welcoming entrance. Inside, soaring ceilings, abundant natural light, fresh paint, custom lighting, and premium finishes make this home truly move-in ready. Hardwood floors flow throughout the home, creating warmth and seamless continuity across every space. The open-concept floor plan is designed for both everyday living and entertaining. A dedicated home office provides the perfect work-from-home space, while the custom staircase with contemporary black metal railings makes a striking architectural statement. The chef-inspired kitchen features white quartz countertops, a subway tile backsplash, stainless steel appliances, an oversized island accented by brass pendant lighting, and a spacious double-door pantry for ample storage. The kitchen opens seamlessly into the dining and living areas where cathedral ceilings and a wall of glass flood the space with natural light and connect to the outdoors. Step through the glass door onto the concrete patio overlooking a fully fenced private backyard, perfect for pets, play, gardening, or relaxing evenings. Tucked away on the main level, the primary suite feels like a sanctuary. It boasts cathedral ceilings, oversized windows with electronic privacy blinds, a custom walk-in closet, dual vanities, a skylight, and an oversized glass-enclosed shower. The convenient powder room and dedicated laundry room with cabinetry finish off the main level. Upstairs, a versatile loft works as a media room, fitness area, second office, or play space. Three generously sized bedrooms each feature walk-in closets, abundant natural light, and overhead lighting. Two beautifully appointed full bathrooms with double vanities and designer finishes provide comfort and flexibility for family and guests alike. Location is everything, and this home delivers. Rozzelles Ferry Road offers direct access to Uptown Charlotte, while nearby restaurants, shopping, parks, trails, playgrounds, and pickleball courts put recreation and convenience at your doorstep. Johnson C. Smith University, CATS bus routes, Lynx light rail access, and Interstates 277 and 77 make commuting throughout Charlotte effortless. This home checks every box with modern design, quality craftsmanship, abundant natural light, and an unbeatable location!

Getting Around

24
WalkingCar-Dependent
48
TransitSome Transit
37
BikeSomewhat Bikeable

Schools

4/10
Bruns Avenue ElementaryGrades PK-50.6 mi
3/10
Ranson MiddleGrades 6-84.0 mi
5/10
West Charlotte HighGrades 9-121.3 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Partial,Hardboard Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Transitional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Electric Water Heater,Exhaust Hood,Microwave,Refrigerator,Self Cleaning Oven
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Features: Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper

Bedroom S

  • Features: Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper

Bedroom S

  • Features: Attic Stairs Pulldown,Walk-In Closet(s)
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Area

  • Level: Main

Features

  • Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
  • Door features: Insulated Door(s)
  • Window features: Insulated Windows,Skylight(s)
  • Flooring: Tile,Wood
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,297

Heating & Cooling

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

Interior Area

  • Total structure area: 2,297
  • Total interior livable area: 2,297 sqft

Kitchen

  • Features: Breakfast Bar,Kitchen Island,Walk-In Pantry
  • Level: Main

Laundry

  • Level: Main

Living Room

  • Features: Cathedral Ceiling(s),Ceiling Fan(s)
  • Level: Main

Loft

  • Level: Upper

Office

  • Level: Main

Primary Bedroom

  • Features: Cathedral Ceiling(s),Ceiling Fan(s),Walk-In Closet(s)
  • Level: Main

Property

Details

  • Parcel number: 06902305
  • Zoning: R-5
  • Special condition: Standard
  • Other equipment: Network Ready

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Front Porch,Patio
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 0.26 Acres
  • Features: Cleared,Level

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,On Street,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

How This Home’s Risks Compare

Inland Flooding

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 $4,120$49,440
Home Insurance *$290$3,480
Property Taxes $510$6,120
Electricity $213$2,567
Total$5,133$61,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$175,988/yr
40% on housing$153,990/yr
45% on housing$136,880/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

$355This listing

vs Other Active Listings

Avg $/sqft

ZIP 28208$196
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28208$258
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
2026-08-05Price change$799,900
2026-07-30Price change$814,900
2026-07-19Price change$819,900
2026-07-09Price change$824,900
2026-06-30Price change$849,900
2026-06-16Price change$875,000
2026-06-11Listed for sale$899,000
2022-09-09Sold$705,000
2022-07-11Contingent$699,900
2022-07-08Listed for sale$699,900
2006-11-02Sold$71,000
2004-10-13Sold$63,000

For Sale by Agent

AgentMallory Kridler
BrokerageEXP Realty LLC Rock Hill

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