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3130 Rea Rd, Charlotte, NC, 28226

3beds
2baths
1,714sqft
$549,900
$321price/sqft
$3,408/moest. monthly cost
$136,320/yrincome needed

About This Home

Rare Opportunity in Olde Providence South — A Garden Legacy Awaits Its Next Chapter Tucked along one of South Charlotte's most beloved corridors, 3130 Rea Road is more than a home The 1,714 split level home delivers comfortable living with 3 bedrooms and 2 full bathrooms and 2 living areas. The functional layout is move-in ready while offering tremendous opportunity for a buyer who wants to personalize a home with real bones in a truly special setting. Outside, the expansive lot is the crown jewel — a rare find in 28226 — with room to garden, entertain, or simply enjoy the kind of private outdoor space that has all but disappeared from South Charlotte. Whether you envision restoring the daylily heritage, creating your own garden retreat, or simply enjoying the serenity, this property delivers. Located in the highly sought Olde Providence South community and zoned for top-rated Olde Providence Elementary, Carmel Middle, and Providence High School, this address checks every box for families and garden enthusiasts alike. Minutes to SouthPark, Ballantyne, and premier dining, shopping, and medical corridors. Homes with this combination of lot size, location, and story don't come along often. Come see why this piece of Rea Road has meant so much to so many.

Getting Around

23
WalkingCar-Dependent
21
TransitMinimal Transit
23
BikeSomewhat Bikeable

Schools

7/10
5/10
Carmel MiddleGrades 6-81.4 mi
9/10
Providence HighGrades 9-121.5 mi

Construction

Condition

  • Year built: 1967

Materials

  • Foundation: Slab
  • Construction materials: Brick Partial,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Washer,Washer/Dryer
  • Laundry features: Utility Room,Inside

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Family Room

  • Level: Lower

Features

  • Door features: Insulated Door(s),Sliding Doors
  • Window features: Insulated Windows
  • Flooring: Concrete,Tile,Wood
  • Finished area below ground: 0
  • Finished area above ground: 1,714

Flex Space

  • Level: Lower

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,714
  • Total interior livable area: 1,714 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 21105301
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Patio & porch: Patio
  • Fencing: Back Yard

Lot

  • Lot size: 0.50 Acres
  • Features: Corner Lot,Private

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 FloodingVery 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 $2,780$33,360
Home Insurance *$157$1,884
Property Taxes $271$3,252
Electricity $200$2,405
Total$3,408$40,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,845/yr
40% on housing$102,240/yr
45% on housing$90,880/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

$321This listing

vs Other Active Listings

Avg $/sqft

ZIP 28226$278
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28226$303
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
2026-08-03Price change$549,900
2026-06-26Price change$550,000
2026-06-12Listed for sale$599,000

For Sale by Agent

AgentSusan Chambers
BrokerageNextHome Paramount

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