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11528 Erwin Ridge Ave, Charlotte, NC, 28213

5beds
3baths
2,203sqft
$401,000
$182price/sqft
$2,662/moest. monthly cost
$106,480/yrincome needed

About This Home

11528 Erwin Ridge Ave is a 2-story Charlotte single home built in 2002 with five bedrooms and three bathrooms across an open layout. The kitchen is fitted with white cabinetry, granite countertops, an island with bar seating for casual meals, and a microwave and range that keep cooking tasks within easy reach. The adjoining living area is anchored by a fireplace that adds warmth and ambiance to the main gathering space, while a formal dining room with wainscoting handles larger meals. The primary bedroom provides room for full furnishings and includes a walk-in closet for organized storage, paired with a primary bathroom that features a soaking tub, a separate walk-in shower, and double sinks for efficient morning routines. A fully fenced backyard extends the usable space outdoors, and the 2-car attached garage completes this well-maintained residence with practical amenities throughout every room.. Included 100-Day Home Warranty with buyer activation

Getting Around

4
WalkingCar-Dependent
0
TransitNo Nearby Transit
13
BikeSomewhat Bikeable

Schools

5/10
5/10
James Martin MiddleGrades 6-84.0 mi
3/10

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Microwave
  • Laundry features: Utility Room,Upper Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Dining Area

  • Level: Main

Features

  • Flooring: Carpet
  • Fireplace features: Gas
  • Finished area below ground: 0
  • Finished area above ground: 2,203

Heating & Cooling

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

Interior Area

  • Total structure area: 2,203
  • Total interior livable area: 2,203 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Property

Details

  • Parcel number: 05118447
  • Zoning: MX-1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community

Lot

  • Lot size: 0.18 Acres

Parking

  • Total spaces: 4
  • Parking features: Driveway,Attached Garage,Parking Space(s),Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered 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
  • 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 $2,027$24,324
Home Insurance *$171$2,052
Property Taxes $259$3,108
Electricity $205$2,462
Total$2,662$31,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,268/yr
40% on housing$79,860/yr
45% on housing$70,986/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

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 28213$165
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28213$182
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
2026-08-13Price change$391,000
2026-07-23Price change$401,000
2026-07-09Price change$411,000
2026-06-23Listed for sale$421,000
2026-06-05Sold$353,000
2010-04-21Sold$161,500
2009-04-18Listing removed$179,900
2009-02-26Price change$179,900
2009-02-05Price change$185,900
2009-01-13Price change$187,900
2008-12-21Price change$192,900
2008-12-11Listed for sale$197,000
2008-05-09Listing removed$205,500
2008-04-01Price change$205,500
2007-10-22Listed for sale$207,500
2006-08-28Sold$186,000
2003-05-12Sold$179,000

For Sale by Agent

AgentWhitney Hunt-Sailors
BrokerageOpendoor Brokerage LLC

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