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401 McDonald Ave, Charlotte, NC, 28203

5beds
6baths
5,514sqft
$4,195,000
$761price/sqft
$25,231/moest. monthly cost
$1,009,240/yrincome needed

About This Home

Set on a premier corner lot in the heart of Dilworth, just moments from South Blvd with a short walk to nearby dining and retail, this 5,514 sq ft brick residence reflects European design with a touch of modern, offering a refined lifestyle comparable to luxury Uptown Charlotte living within one of the city’s most established neighborhoods. The main level is thoughtfully curated, anchored by a private primary suite featuring a spa-inspired bath and dedicated laundry. Light-filled living spaces unfold seamlessly, centered around a beautifully designed kitchen that balances elegance with everyday functionality. A scullery and custom cabinetry provide added convenience, while white oak flooring, tailored millwork, and an elevator contribute to the home’s understated sophistication. The covered rear porch extends the living space outdoors, overlooking a fenced backyard and creating a natural connection between interior and exterior. Upstairs, four additional bedrooms are complemented by a home theater, second laundry, and a spacious bonus room with fireplace. A private balcony offers elevated views toward Uptown Charlotte, adding a distinctive finishing touch. An exceptional opportunity to own a newly constructed home of quiet luxury and architectural intention, set within one of Charlotte’s most desirable addresses. Includes a 6 year home warranty. Buyer's agents with commission are welcome.

Getting Around

94
WalkingWalker's Paradise
50
TransitGood Transit
49
BikeSomewhat Bikeable

Schools

8/10
Dilworth ElementaryGrades 3-50.4 mi
3/10
Sedgefield MiddleGrades 6-80.8 mi
7/10
Myers Park HighGrades 9-123.0 mi

Construction

Condition

  • Year built: 2026

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator
  • Laundry features: In Unit

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Features

  • Flooring: Hardwood
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat pump,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 5,514 sqft

Property

Details

  • Parcel number: 12109376

Features

  • Exterior features: Brick
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 9,015 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached

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 $21,212$254,544
Home Insurance *$852$10,224
Property Taxes $2,654$31,848
Electricity $513$6,162
Total$25,231$302,772
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$865,062/yr
40% on housing$756,930/yr
45% on housing$672,826/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

$761This listing

vs Other Active Listings

Avg $/sqft

ZIP 28203$344
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28203$485
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
2026-05-04Listed for sale$4,195,000
2025-12-09Sold$975,000
2025-11-07Listed for sale$975,000
2024-01-24Listing removed--
2023-12-11Listed for rent$3,900
2023-12-11Listing removed--
2023-10-15Listed for rent$3,900
2018-11-01Listing removed$2,700
2018-10-11Price change$2,700
2018-09-06Listed for rent$2,995
2017-08-01Listing removed$2,995
2017-07-31Price change$2,995
2017-07-07Listed for rent$3,100
2016-07-23Listing removed$2,975
2014-08-08Listing removed$2,450
2014-07-31Listed for rent$2,450
2012-07-13Listing removed$1,995
2012-07-10Listed for rent$1,995
2001-11-21Sold$100,000

For Sale by Owner

AgentProperty Owner

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