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176 Charis Ln, Statesville, NC, 28677

2beds
6baths
4,058sqft
$739,990
$182price/sqft
$4,787/moest. monthly cost
$191,480/yrincome needed

About This Home

Tucked back on a wooded lot in Statesville, 176 Charis Ln gives you the privacy and space people are always looking for. The home has a great first impression with its stone exterior accents, large driveway, attached garage, mature trees, and peaceful setting. Inside, you’ll find a warm and comfortable layout with plenty of room to spread out. The main living area has a rustic feel with wood accents, a stone fireplace, detailed ceiling work, and French doors leading out toward the backyard. The kitchen offers wood cabinetry, granite countertops, bar seating, tile flooring, and easy access to the outdoor space. The home offers multiple bedrooms and updated bathrooms, along with three bonus rooms that give the next owner a lot of flexibility. These spaces could work well as home offices, guest rooms, playrooms, workout rooms, hobby spaces, media rooms, or extra storage depending on what you need. The finished lower level is one of the standout features of the home. It includes additional living space, a kitchenette, full bathroom, sauna, and its own exterior access, making it a great setup for guests, extended family, entertaining, or just having a separate space to relax. Outside, the wooded backyard creates a private feel, with a screened porch, patio area, retaining walls, garden space, and a detached storage building. It feels tucked away, but still keeps you close to Statesville, shopping, dining, and major roads. With its flexible floor plan, finished lower level, garage space, wooded setting, and three bonus rooms, this home offers a lot more than the average property. It’s a great option for anyone needing space, privacy, and room to make the home fit their lifestyle.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
2/10
Troutman Middle SchoolGrades 6-83.2 mi
5/10
South Iredell High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 2004

Materials

  • Construction materials: Stone,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Cooktop,Microwave,Oven,Refrigerator,Washer/Dryer
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Finished

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 1,378
  • Finished area above ground: 2,680

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,680
  • Total interior livable area: 4,058 sqft

Living Room

  • Level: Main
  • Area: 576
  • Dimensions: 24' 0" X 24' 0"

Property

Details

  • Parcel number: 4722869707
  • Zoning: R-20
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 1.13 Acres

Parking

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado
Cold Wave
Winter Weather

FEMA Declared Disasters in Iredell 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 $3,741$44,892
Home Insurance *$289$3,468
Property Taxes $380$4,560
Electricity $377$4,535
Total$4,787$57,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$164,125/yr
40% on housing$143,610/yr
45% on housing$127,653/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: 15.7%
15.7%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
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 28677$129
Iredell County$213

vs Homes Sold Last Month

Median $/sqft

ZIP 28677$173
Iredell County$191

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
2026-07-28Price change$739,990
2026-06-25Listed for sale$749,990
2023-08-04Sold$536,000
2023-06-16Pending sale$550,000
2023-06-14Listed for sale$550,000

For Sale by Agent

AgentTim Tellado
BrokerageOsborne Real Estate Group LLC

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