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3220 Commonwealth Ave, Charlotte, NC, 28205

4beds
3baths
2,567sqft
$1,139,900
$444price/sqft
$6,960/moest. monthly cost
$278,400/yrincome needed

About This Home

Resort-Style Private Retreat Minutes from Uptown Charlotte Discover a rare offering—an exceptional custom-built residence that delivers modern sophistication, luxurious outdoor living, and unmatched privacy, all while being just moments from Uptown, NoDa, and Plaza Midwood. Surrounded by mature trees and set back from the street, this home provides a secluded, resort-like atmosphere in one of Charlotte’s most desirable urban locations. Designed with intention and crafted with premium finishes, this fully upgraded smart home blends everyday comfort with high-end living. Thoughtful technology, designer selections, and a spacious, flowing layout make the home ideal for both relaxed living and effortless entertaining. The outdoor spaces are truly standout features. A heated and chilled saltwater pool with integrated spa and waterfall creates a stunning focal point, complemented by expansive terraces, multiple outdoor living areas, a screened porch, Trex deck, and beautifully landscaped grounds with custom lighting. A dedicated pool bath with shower adds year-round convenience. Inside, the main level offers an entertainer’s kitchen with granite countertops, a wet bar with beverage refrigerator, a large dining area, and a warm, inviting great room with fireplace. A first-floor bedroom and private office provide flexible living options. Whole-home smart surround sound enhances both daily living and hosting. Upstairs, the luxurious primary suite includes a custom walk-in closet and a private terrace—perfect for morning coffee or unwinding at sunset. This level also features a kitchenette, spacious laundry room, and two additional bedrooms. A rare combination of privacy, design, and location, this home lives like a personal resort in the heart of Charlotte.

Getting Around

36
WalkingCar-Dependent
41
TransitSome Transit
36
BikeSomewhat Bikeable

Schools

3/10
Oakhurst STEAM AcademyGrades K-51.1 mi
7/10
Eastway MiddleGrades 6-80.8 mi
1/10
Garinger High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 1941

Materials

  • Foundation: Crawl Space
  • Construction materials: Hardboard Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Disposal,Dryer,Gas Range,Microwave,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room,Upper Level,Washer Hookup

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Built-in Features,Soaking Tub,Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s)
  • Fireplace features: Family Room,Gas
  • Finished area below ground: 0
  • Finished area above ground: 2,567

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,567
  • Total interior livable area: 2,567 sqft

Kitchen

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 12910156
  • Zoning: OFC
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Fenced,Heated,In Ground,Outdoor Pool,Salt Water
  • Patio & porch: Balcony,Covered,Deck,Patio,Rear Porch,Screened,Terrace
  • Exterior features: Outdoor Shower
  • Has spa: Yes
  • Spa features: Heated
  • Fencing: Fenced

Lot

  • Lot size: 0.22 Acres

Parking

  • Parking features: Driveway
  • 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 $5,763$69,156
Home Insurance *$295$3,540
Property Taxes $663$7,956
Electricity $239$2,869
Total$6,960$83,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$238,628/yr
40% on housing$208,800/yr
45% on housing$185,600/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

$444This listing

vs Other Active Listings

Avg $/sqft

ZIP 28205$281
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28205$345
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
2026-04-25Price change$1,178,000
2026-03-25Listed for sale$1,198,000
2025-12-02Listing removed$1,225,000
2025-09-10Listed for sale$1,225,000
2025-01-13Sold$1,050,000
2024-11-18Price change$1,124,995
2024-08-23Price change$1,149,995
2024-07-29Price change$1,199,500
2024-05-17Price change$1,249,999
2024-05-10Listed for sale$1,300,000
2020-07-31Sold$635,000
2020-06-01Pending sale$644,900
2020-05-22Listed for sale$644,900
2020-03-27Listing removed$649,900
2020-02-24Price change$649,900
2020-01-16Price change$669,900
2019-10-23Price change$675,000
2019-09-16Price change$699,900
2019-09-09Price change$720,000
2019-08-24Listed for sale$725,000
2016-09-22Sold$615,800
2016-01-20Listed for sale$648,000
2015-12-19Listing removed$580,000
2015-09-19Price change$580,000
2015-02-27Listed for sale$518,000
1999-03-02Sold$93,000

For Sale by Agent

AgentMike Hosey
BrokerageTrade & Tryon Realty

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