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10851 Garden Oaks Ln, Charlotte, NC, 28273

2beds
3baths
1,436sqft
$270,000
$188price/sqft
$1,830/moest. monthly cost
$73,200/yrincome needed

About This Home

Welcome to this spacious and inviting 2-bedroom end-unit townhome in the desirable Garden Oaks community. This beautifully maintained home offers an open and functional layout filled with natural light, enhanced by its end-unit location for added privacy. Step inside to find durable and stylish vinyl plank flooring flowing throughout the main living areas, creating a warm and modern feel. The kitchen is a standout feature with freshly painted cabinets, boasting sleek granite countertops, stainless steel appliances, and ample cabinet space—perfect for both everyday living and entertaining. Upstairs, the generously sized primary suite includes a custom-designed closet, providing excellent organization and storage. A well-appointed second bedroom and additional bath offer flexibility for guests, a home office, or growing needs. Enjoy low-maintenance living in a convenient location close to shopping, dining, and major commuter routes. This move-in-ready home combines comfort, style, and practicality—don’t miss your opportunity to make it yours.

Getting Around

23
WalkingCar-Dependent
32
TransitSome Transit
35
BikeSomewhat Bikeable

Schools

6/10
1/10
Southwest Middle SchoolGrades 6-81.4 mi
8/10
Palisades High SchoolGrades 9-113.5 mi

Construction

Condition

  • Year built: 2002

Materials

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

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Gas Water Heater,Microwave
  • Laundry features: Laundry Closet,Main Level

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

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

Breakfast

  • Level: Main

Features

  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,436

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,436
  • Total interior livable area: 1,436 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: Upper

Property

Details

  • Parcel number: 20135633
  • Zoning: R-12MF(CD)
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Patio
  • Exterior features: Storage
  • Fencing: Fenced,Privacy

Lot

  • Lot size: 0.10 Acres
  • Features: Cul-De-Sac

Parking

  • Parking features: Parking Lot,Parking Space(s)

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
  • 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 $1,365$16,380
Home Insurance *$96$1,152
Property Taxes $169$2,028
Electricity $200$2,405
Total$1,830$21,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,742/yr
40% on housing$54,900/yr
45% on housing$48,800/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

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 28273$173
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28273$201
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
2026-04-29Listed for sale$270,000
2021-11-09Listing removed--
2021-11-03Price change$1,499
2021-10-22Listed for rent$1,550
2002-11-01Sold$118,500

For Sale by Agent

AgentBob Fredrickson
BrokerageNextHome Reliance

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