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12764 Persimmon Tree Dr, Charlotte, NC, 28273

2beds
3baths
1,160sqft
$250,000
$216price/sqft
$1,720/moest. monthly cost
$68,800/yrincome needed

About This Home

Welcome to 12764 Persimmon Tree Drive, a well-maintained townhome in the Steele Creek area offering 2 bedrooms, 2.5 bathrooms, and 1,160 square feet of comfortable, move-in ready living space. The main level features an open, functional layout filled with natural light, creating an inviting space for both everyday living and entertaining. The spacious living area flows seamlessly into a well-appointed kitchen with ample cabinet and counter space, making it both practical and easy to enjoy. A convenient half bath is also located on the main level for guests. Upstairs, both bedrooms offer privacy and convenience, each with its own full bathroom. This layout works well for roommates, guests, or a dedicated home office, providing a comfortable separation of space while still feeling connected and efficient. Step outside to a private rear patio, perfect for relaxing, enjoying your morning coffee, or unwinding in the evening. Recent updates include fresh paint, brand new carpet, and new flooring in the bathrooms, giving the home a clean, updated feel throughout. The home has been well cared for and offers easy, low-maintenance living. Conveniently located just minutes from shopping, dining, and everyday conveniences, with quick access to I-485 and I-77 for an easy commute. Close proximity to Charlotte Premium Outlets, RiverGate, Lake Wylie, and Carowinds provides plenty of options for entertainment and recreation. A well-kept home offering simplicity, convenience, and a location that continues to see steady growth.

Getting Around

43
WalkingCar-Dependent
32
TransitSome Transit
38
BikeSomewhat Bikeable

Schools

5/10
River Gate ElementaryGrades K-51.3 mi
1/10
Southwest Middle SchoolGrades 6-80.7 mi
8/10
Palisades High SchoolGrades 9-112.7 mi

Construction

Condition

  • Year built: 2014

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Oven,Refrigerator,Washer/Dryer
  • Laundry features: In Hall,Upper Level

Bathroom Full

  • Level: Main

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

Features

  • Flooring: Bamboo,Tile,Vinyl,Other
  • Finished area below ground: 0
  • Finished area above ground: 1,160

Heating & Cooling

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

Interior Area

  • Total structure area: 1,160
  • Total interior livable area: 1,160 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 21906336
  • Zoning: R-17MF(CD)
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Pool features: Community
  • Exterior features: Lawn Maintenance,Other - See Remarks

Lot

  • Lot size: 0.02 Acres

Parking

  • Total spaces: 2
  • Parking features: Parking Space(s)
  • 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 FloodingModerate

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 $1,264$15,168
Home Insurance *$89$1,068
Property Taxes $167$2,004
Electricity $200$2,405
Total$1,720$20,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,971/yr
40% on housing$51,600/yr
45% on housing$45,866/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

$216This 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
2026-05-01Listed for sale$269,900
2015-05-04Sold$109,900

For Sale by Agent

AgentMichael Lasek
BrokerageHelen Adams Realty

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