1337 Whispering Oaks Cir, Matthews, NC, 28104
About This Home
A rare gated lakefront retreat in South Charlotte, this fully remodeled 4-bedroom, 4.5-bath estate is set on 3 private acres at the end of a quiet Lake Providence cul-de-sac. Offering a unique blend of privacy and convenience, the home is just minutes from Waverly, Blakeney, Rea Farms, and top-rated Weddington schools. Inside, the home has been thoughtfully updated with high-end finishes throughout. The chef’s kitchen features quartz countertops, an oversized island, farmhouse sink, and premium KitchenAid appliances, including a 48” refrigerator, double oven, cooktop, and vented hood. Open living spaces are enhanced by vaulted and coffered ceilings, along with updated flooring, trim, lighting, and custom handrails. The main-level primary suite offers a true retreat with serene lake views, a private stone patio, dual walk-in closets, and a spa-inspired bath complete with soaking tub, dual vanities, and a rain shower. Additional bedrooms, a spacious bonus room, and a flexible office or studio provide room to live, work, and entertain. Outdoors, multiple patios overlook the water, creating the perfect setting for gatherings or quiet relaxation. A gated entrance, and a three-car garage provide both security and functionality, while an updated laundry room with sink and drop zone adds everyday convenience. This is a rare opportunity to own a private lakefront property with modern updates in one of South Charlotte’s most desirable areas. Schedule your private showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1999
Materials
- Foundation: Slab
- Construction materials: Synthetic Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Double Oven,Electric Cooktop,Exhaust Hood,Gas Water Heater,Refrigerator
- Laundry features: Laundry Room,Main Level
Bathroom Full
- Level: Main
Bathroom Full
- Level: Upper
Bathroom Half
- Level: Main
Bedroom S
- Level: Main
Bedroom S
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
- Main level bedrooms: 3
Bonus Room
- Level: Upper
Breakfast
- Level: Main
Dining Room
- Level: Main
Features
- Flooring: Carpet,Hardwood,Tile
- Finished area below ground: 0
- Finished area above ground: 4,466
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 4,466
- Total interior livable area: 4,466 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Office
- Level: Main
Other
- Level: Main
Primary Bedroom
- Level: Main
Property
Details
- Parcel number: 06096017A
- Zoning: AM6
- Special condition: Standard
Features
- Levels: One and One Half
- Stories: 1
Lot
- Lot size: 3.03 Acres
Parking
- Total spaces: 3
- Parking features: Driveway,Attached Garage,Garage on Main Level
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Ice Storm
- Tornado
- Cold Wave
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Union County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $7,837 | $94,044 |
| Home Insurance * | $422 | $5,064 |
| Property Taxes | $636 | $7,632 |
| Electricity | $415 | $4,991 |
| Total | $9,310 | $111,720 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-30 | Listed for sale | $1,549,900 |
| 2026-04-03 | Listed for rent | $9,995 |
| 2026-03-20 | Listing removed | $9,995 |
| 2026-03-18 | Price change | $9,995 |
| 2026-03-12 | Listing removed | $1,495,000 |
| 2026-01-09 | Price change | $1,495,000 |
| 2026-01-03 | Listed for rent | $8,995 |
| 2025-10-06 | Listed for sale | $1,549,900 |
| 2025-08-05 | Listing removed | $8,995 |
| 2025-06-03 | Price change | $8,995 |
| 2025-05-13 | Price change | $9,995 |
| 2025-04-23 | Listed for rent | $10,995 |
| 2024-10-05 | Listing removed | $9,995 |
| 2024-06-17 | Listed for rent | $9,995 |
| 2021-03-18 | Listing removed | -- |
| 2021-02-09 | Listed for sale | $1,200,000 |
| 2019-12-23 | Sold | $453,000 |
| 2019-11-06 | Price change | $466,843 |
| 2019-11-04 | Price change | $467,025 |
| 2019-10-30 | Price change | $450,031 |
| 2019-10-16 | Price change | $450,586 |
| 2019-10-13 | Price change | $451,599 |
| 2019-10-09 | Price change | $451,745 |
| 2019-09-28 | Listed for sale | -- |
| 2019-08-15 | Sold | $442,096 |
| 2004-08-05 | Sold | $420,000 |
| 2003-09-11 | Sold | $405,000 |
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