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1514 Elmsford Ln, Matthews, NC, 28105

6beds
5baths
5,818sqft
$2,175,000
$374price/sqft
$13,596/moest. monthly cost
$543,840/yrincome needed

About This Home

Custom-built executive home in sought-after South Charlotte location, just minutes from the charm of downtown Matthews, offering a rare combination of luxury living, timeless architecture, and a private resort-style setting tucked within a quiet cul-de-sac. Situated on a premium wooded lot with an expansive flat usable backyard, this one-of-a-kind retreat is designed for both effortless entertaining and everyday living. This all-brick luxury residence features six bedrooms, expansive living spaces, and thoughtfully curated designer finishes throughout. Architectural details create an unforgettable first impression, including a dramatic 30-foot cedar ceiling, statement river rock fireplace with solid timber mantel, and a breathtaking two-story wall of windows that fills the home with natural light and seamlessly connects the indoors with the serene natural backdrop. The newly remodeled chef’s kitchen was thoughtfully designed for elevated living and entertaining, featuring an oversized island, handcrafted Moroccan Zellige tile, designer lighting, and seamless flow into the breakfast area, keeping room, and screened porch overlooking the private backyard oasis. Main-level living spaces with soaring 10-foot ceilings provide exceptional indoor-outdoor flow and elevated views of the wooded setting. The main-level primary suite offers privacy and convenience with spa-inspired potential and peaceful backyard views. Upstairs, three spacious ensuite bedrooms, a dedicated study area, bonus room, and second laundry room provide ideal flexibility for modern living. The fully finished walk-out basement delivers exceptional multigenerational living and entertainer’s dream functionality with 10-foot ceilings, refined finishes, surround sound media area, spacious fitness room, kitchenette, guest suite, fireplace, flex room ideal for a wine lounge or music room, private office or additional bedroom, and direct access to the lower terrace and expansive backyard. This level functions beautifully as private guest quarters, an au pair suite, or independent multigenerational living space with private access. Located within walking distance to highly rated schools including Providence High and Elizabeth Lane Elementary, and convenient to South Charlotte private schools, SouthPark shopping and dining, Uptown Charlotte, and all that Matthews has to offer. Rarely does a home combine this level of privacy, architectural character, functional luxury, and expansive outdoor living in such a prime South Charlotte location. Thoughtfully designed and truly one-of-a-kind, this private retreat is best experienced in person. Located in Mecklenburg County.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

6/10
9/10
South Charlotte MiddleGrades 6-82.6 mi
9/10
Providence HighGrades 9-120.3 mi

Construction

Condition

  • Year built: 2004

Materials

  • Construction materials: Brick Full,Cedar Shake,Stone

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Hood,Gas Range,Microwave,Oven,Refrigerator with Ice Maker,Warming Drawer,Wine Refrigerator
  • Laundry features: Laundry Room,Multiple Locations

Bar Entertainment

  • Level: Basement

Basement

  • Has basement: Yes
  • Basement: Walk-Out Access

Bathroom Full

  • Level: Basement

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Basement

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Bonus Room

  • Level: Upper

Breakfast

  • Level: Main

Den

  • Level: Basement

Dining Room

  • Level: Main

Exercise Room

  • Level: Basement

Features

  • Fireplace features: Fire Pit,Gas Log,Great Room,Keeping Room,See Through,Other - See Remarks
  • Attic: Pull Down Stairs,Walk-In
  • Finished area below ground: 1,894
  • Finished area above ground: 3,924

Heating & Cooling

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

Interior Area

  • Total structure area: 3,924
  • Total interior livable area: 5,818 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Laundry

  • Level: Upper

Media Room

  • Level: Basement

Other

  • Level: Basement

Other

  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Level: Main

Study

  • Level: Upper

Property

Details

  • Parcel number: 22706221
  • Zoning: R-15
  • Special condition: Standard
  • Exclusions: Chandelier in primary closet,all mirrors on walls (except in bathrooms and exercise)

Features

  • Levels: Three Or More
  • Stories: 3

Lot

  • Lot size: 0.42 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 FloodingRelatively High

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 $10,997$131,964
Home Insurance *$699$8,388
Property Taxes $1,359$16,308
Electricity $541$6,502
Total$13,596$163,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$466,148/yr
40% on housing$407,880/yr
45% on housing$362,560/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

$374This listing

vs Other Active Listings

Avg $/sqft

ZIP 28105$263
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28105$228
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
2026-04-23Listed for sale$2,175,000
2004-02-09Sold$87,500

For Sale by Agent

AgentAshley Mullins Askew
BrokerageDickens Mitchener & Associates Inc

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