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4132 Belle Meade Cir, Belmont, NC, 28012

3beds
4baths
2,994sqft
$625,000
$209price/sqft
$4,159/moest. monthly cost
$166,360/yrincome needed

About This Home

Live in the heart of the ultra charming & popular town of Belmont, NC! From the moment you pull up to this gorgeous 1.5 story home & see the meticulously manicured lawn w/in-ground irrigation & beautiful brick facade w/new architectural shingle & metal standing seam roof - you'll want it to be yours! Inside features include a main level owner's suite with a large walk in closet with built ins off of the master bedroom, AND a guest bedroom w/it's own full bathroom, a half bath, hardwood floors, heavy crown molding, 10 ft. ceilings, 8 ft. doors, stunning quartz counters w/tile backsplash, stainless appliances, & an upstairs bonus room & spare guest suite w/full bath. There's also a walk in pantry & huge main level laundry room w/wash sink. Spend those cool Fall evenings inside sitting in front of the gas log fireplace or Spring mornings sipping coffee on your screened in back porch or maybe afternoons grilling on the freshly painted deck overlooking your private, wooded & fully fenced backyard. Truly a must see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

--
J B Page Primary SchoolGrades PK-12.1 mi
5/10
Belmont Middle SchoolGrades 6-81.1 mi
9/10
South Point High SchoolGrades 9-121.3 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Partial,Vinyl

Type & Style

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

Interior

Appliances

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

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Bonus Room

  • Level: Upper

Dining Room

  • Level: Main

Features

  • Open Floorplan,Walk-In Closet(s),Walk-In Pantry
  • Flooring: Carpet,Tile,Vinyl,Wood
  • Fireplace features: Family Room,Gas Log
  • Finished area below ground: 0
  • Finished area above ground: 2,994

Heating & Cooling

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

Interior Area

  • Total structure area: 2,994
  • Total interior livable area: 2,994 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 198355
  • Zoning: R1H
  • Special condition: Standard
  • Exclusions: TV Mounts

Features

  • Levels: One and One Half
  • Stories: 1
  • Exterior features: In-Ground Irrigation

Lot

  • Lot size: 0.37 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

  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Gaston 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 $3,160$37,920
Home Insurance *$180$2,160
Property Taxes $541$6,492
Electricity $278$3,346
Total$4,159$49,908
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,594/yr
40% on housing$124,770/yr
45% on housing$110,906/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: 16.2%
16.2%
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

$209This listing

vs Other Active Listings

Avg $/sqft

ZIP 28012$210
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28012$223
Gaston County$187

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
2026-04-30Price change$625,000
2026-01-31Price change$645,000
2025-11-17Listed for sale$675,000
2018-11-30Sold$345,000
2018-10-29Pending sale$350,000
2018-10-26Listed for sale$350,000
2016-06-02Sold$310,000
2007-11-01Sold$357,500
2007-04-30Sold$47,000

For Sale by Agent

AgentLarry Graham
BrokerageMark Spain Real Estate

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