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1105 Union Rd, Matthews, NC, 28104

2beds
1baths
964sqft
$495,000
$513price/sqft
$3,029/moest. monthly cost
$121,160/yrincome needed

About This Home

Beautiful Opportunity in Matthews! This established micro-estate pairs a thoughtfully designed home with nearly five acres of private land, offering the freedom and flexibility you’ve been seeking. The Charming, two bedroom bungalow embodies modern-rustic charm and deliberate design. So many details reflect quality: tile work throughout the bath, thoughtful upgrades, and single-level living that feels effortless and welcoming. The home's intimate footprint makes great use of space with a flow that just feels right. Step outside to discover the true lifestyle magic. A covered front porch offers Southern hospitality and curb appeal, while your generous screened porch becomes an all-season sanctuary—perfect for morning coffee, afternoon refuge, or evening conversation. An expansive back deck further extends your living space into the landscape, ideal for large gatherings or quiet sunsets framed by mature trees. Beyond the main residence, a wired studio with its own sitting porch awaits—ready to serve as a creative sanctuary, dedicated home office, peaceful guest retreat, or artist's studio. A rustic and colorful outbuilding currently functions as storage and offers practical utility and authentic country character. Mature trees and open clearings combine to create an ideal setting for organic gardening, small-scale homesteading, fruit orchards, or outdoor recreation. Whether you dream of a creative compound or simply preserving pristine natural buffer, this acreage is ready for your creativity. What truly distinguishes this property are three separately deeded parcels unified under single ownership. This land assemblage offers genuine options that ordinary properties cannot: Maximize your sanctuary on five private acres preserving a natural buffer of land as permanent protection against future development; Build a second residence or family compound on the expanded acreage; Develop individual parcels while keeping your home's serene setting intact; OR Create a multi-generational family estate with defined living spaces. As undeveloped land near Charlotte becomes increasingly fragmented and scarce, this contiguous assembly represents both immediate lifestyle value and enduring investment potential. The flexibility built into this property's structure grows more valuable every year. This property is for those who value quiet mornings, genuine privacy, and the freedom to shape life on their own terms. Whether you seek a creative retreat, homesteading haven, multi-generational home, or simply a peaceful place to breathe, 1105 Union Road offers something rare near a thriving city: real land, real privacy, and real possibility. Conveniently located with nearby restaurants and services, it’s just 14 miles to UNCC, 18 miles to Uptown Charlotte, and 28 miles to CLT airport. This home and location have so much to offer; see it for yourself today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

9/10
10/10
7/10
Porter Ridge High SchoolGrades 9-124.9 mi

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Crawl Space
  • Construction materials: Fiber Cement

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Cottage,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Exhaust Hood,Low Flow Fixtures
  • Laundry features: Electric Dryer Hookup,Laundry Closet,Main Level,Washer Hookup

Bathroom Full

  • Level: Main
  • Area: 58.8264
  • Dimensions: 11' 7" X 5' 1"

Bedroom S

  • Level: Main
  • Area: 113.8314
  • Dimensions: 11' 7" X 9' 10"

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main
  • Area: 167.01
  • Dimensions: 17' 7" X 9' 6"

Features

  • Window features: Insulated Windows
  • Flooring: Laminate,Tile,Wood
  • Finished area below ground: 0
  • Finished area above ground: 964

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Ceiling Fan(s),Central Air,Heat Pump

Interior Area

  • Total structure area: 964
  • Total interior livable area: 964 sqft

Kitchen

  • Level: Main
  • Area: 129.01
  • Dimensions: 13' 7" X 9' 6"

Living Room

  • Level: Main
  • Area: 213.9111
  • Dimensions: 18' 4" X 11' 8"

Primary Bedroom

  • Level: Main
  • Area: 146.7186
  • Dimensions: 12' 8" X 11' 7"

Workshop

  • Features: See Remarks
  • Level: Main
  • Area: 168.3864
  • Dimensions: 15' 5" X 10' 11"

Property

Accessibility

  • Accessibility features: Two or More Access Exits,Bath Raised Toilet,Closet Bars 15-48 Inches,Door Width 32 Inches or More,Swing In Door(s),Accessible Hallway(s),Kitchen 60 Inch Turning Radius,Mobility Friendly Flooring,No Interior Steps

Details

  • Parcel number: 08321011A
  • Zoning: R-20
  • Special condition: Standard
  • Horse amenities: Pasture

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Front Porch,Screened,Side Porch
  • Exterior features: Fire Pit,Storage
  • Fencing: Back Yard,Fenced,Full

Lot

  • Lot size: 4.88 Acres
  • Features: Level,Open Lot,Pasture,Wooded
  • Lot size dimensions: see attached survey

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

  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Tornado
Cold Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters in Union 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 $2,502$30,024
Home Insurance *$134$1,608
Property Taxes $193$2,316
Electricity $200$2,405
Total$3,029$36,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,851/yr
40% on housing$90,870/yr
45% on housing$80,773/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$513This listing

vs Other Active Listings

Avg $/sqft

ZIP 28104$244
Union County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28104$236
Union County$205

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
2026-05-01Price change$533,500
2026-04-04Listed for sale$550,000
2024-04-18Sold$400,000
2024-03-18Pending sale$400,000
2024-01-27Listed for sale$400,000
2021-05-28Sold$355,000
2021-03-16Pending sale$380,000
2021-03-13Contingent$380,000
2021-03-09Listed for sale$380,000

For Sale by Agent

AgentDaniel Fisher
BrokerageFisher Herman Realty LLC

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