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109 Prescott St, Matthews, NC, 28104

2beds
3baths
1,654sqft
$330,000
$200price/sqft
$2,146/moest. monthly cost
$85,840/yrincome needed

About This Home

Beautifully updated end-unit townhome with Union County taxes and a Matthews address! This move-in ready home offers the perfect combination of style, privacy, and convenience. The desirable floor plan features a spacious primary suite on the main level, while upstairs includes a guest bedroom, full bath, and an open loft overlooking the dramatic two-story great room—ideal for a home office, media room, or flex space. The stunning kitchen was completely remodeled in 2022 with new cabinetry, countertops, and black stainless steel appliances. Luxury vinyl plank flooring was installed throughout the main level in 2022 and extended upstairs in 2024, creating a cohesive, low-maintenance living space. Updated light fixtures and ceiling fans (2025) add a fresh, modern touch throughout. Enjoy cathedral ceilings, abundant natural light, plantation shutters throughout the main level, and a one-car garage. As a private end unit with a side entrance, this home offers additional outdoor space and a peaceful setting while remaining convenient to shopping, dining, and everything this location has to offer. Community amenities include a neighborhood pool. Don't miss this beautifully updated home in a highly desirable location!

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
6/10
Sun Valley Middle SchoolGrades 6-84.1 mi
5/10
Sun Valley High SchoolGrades 9-124.1 mi

Construction

Condition

  • Year built: 2003

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

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

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Features: Walk-In Closet(s)
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Area

  • Level: Main

Features

  • Open Floorplan,Walk-In Closet(s)
  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,654

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,654
  • Total interior livable area: 1,654 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Features: Ceiling Fan(s),Vaulted Ceiling(s)
  • Level: Main

Loft

  • Level: Upper

Primary Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: Main

Property

Details

  • Parcel number: 07144384
  • Zoning: AU1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Pool features: Community
  • Patio & porch: Patio
  • Exterior features: Lawn Maintenance

Lot

  • Lot size: 0.05 Acres

Parking

  • Total spaces: 1
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 $1,668$20,016
Home Insurance *$89$1,068
Property Taxes $189$2,268
Electricity $200$2,405
Total$2,146$25,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,577/yr
40% on housing$64,380/yr
45% on housing$57,226/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

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 28104$246
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
2026-07-10Listed for sale$330,000
2020-09-09Sold$203,000
2020-08-01Listed for sale$225,000
2016-09-14Sold$172,000
2008-06-28Listing removed$134,900
2008-06-12Listed for sale$134,900
2007-06-26Sold$155,000
2004-04-30Sold$132,500

For Sale by Agent

AgentCharity McMinn
BrokerageRealty One Group Revolution

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