See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

10969 Carmel Crossing Rd, Charlotte, NC, 28226

2beds
3baths
1,242sqft
$234,900
$189price/sqft
$1,597/moest. monthly cost
$63,880/yrincome needed

About This Home

IDEAL location in the heart of Ballantyne /South Charlotte!! This charming 2 bedroom / 2.5 bath townhome offers low-maintenance living just minutes from the Ballantyne Bowl, SouthPark, and easy access to I-485! Perfect for 1st time home buyers, downsizing, or investors (no rental restrictions!). Step inside to an open and cozy Living Room with a natural wood burning Fireplace. Dedicated Dining Nook adjacent to a spacious Kitchen with loads of storage. The back of the unit has a cozy enclosed porch providing additional living / entertaining space, with a huge storage closet. Upstairs are two large Bedrooms each with an en-suite. Residents have access to fantastic community amenities, including a pool, tennis courts, and natural areas. Less than a mile from the McCullen Creek Greenway, McAlpine Creek Greenway, and Four Mile Creek Greenway. HOA covers amenities, water, and trash. Come check out this fantastic opportunity to create your own lovely home in the heart of vibrant Ballantyne /South Charlotte area!!

Getting Around

36
WalkingCar-Dependent
28
TransitSome Transit
48
BikeSomewhat Bikeable

Schools

9/10
Endhaven ElementaryGrades PK-51.5 mi
7/10
Quail Hollow MiddleGrades 6-82.1 mi
7/10

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Oven,Microwave
  • Laundry features: In Unit

Bathroom Half

  • Level: Main

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Fireplace features: Den
  • Finished area below ground: 0
  • Finished area above ground: 1,242

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,242
  • Total interior livable area: 1,242 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Upper

Primary Bedroom

  • Level: Upper

Sunroom

  • Level: Main

Property

Details

  • Parcel number: 22147135
  • Zoning: R-12MF(CD)
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Enclosed
  • Waterfront features: None

Parking

  • Parking features: Assigned

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 $1,187$14,244
Home Insurance *$67$804
Property Taxes $143$1,716
Electricity $200$2,405
Total$1,597$19,164
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,754/yr
40% on housing$47,910/yr
45% on housing$42,586/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

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 28226$280
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
2026-07-07Price change$234,900
2026-05-13Listed for sale$259,900

For Sale by Agent

AgentLynn Murray
BrokerageLynn Murray Properties

Similar Homes