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422 Bougainvillea Ct, Monroe, NC, 28110

4beds
3baths
3,138sqft
$415,000
$132price/sqft
$2,689/moest. monthly cost
$107,560/yrincome needed

About This Home

Once upon a time, someone built a home that just made sense - and that home is waiting for you at 422 Bougainvillea Court. Nestled in the sought-after St. John's Forest community, this beautifully designed 1.5-story residence unfolds like a story with all the right chapters. From the moment you step inside, the open great room welcomes you with warmth and easy flow, seamlessly connecting to a generous dining area made for long evenings, lively conversation, and memories still waiting to be made. At the heart of the home, the upgraded kitchen stands ready for whatever you bring to it - whether that's a quiet Sunday morning or a holiday feast. A classic tile backsplash, a center island perfect for gathering around, and a full suite of included appliances - double oven, cooktop, microwave, and refrigerator - mean you're equipped from day one, no assembly required. The primary suite graces the main level, offering the kind of peaceful retreat that turns an ordinary evening into something restorative. Meanwhile, additional bedrooms are thoughtfully positioned throughout the home, each offering its own sense of space and privacy. Upstairs, the story continues with a generous loft - endlessly adaptable - and a large bonus room complete with its own full bath, ready to become whatever chapter calls to you next: a creative studio, a serene retreat for visiting guests, or a dedicated workspace all your own. Step outside and the narrative continues. A fenced backyard offers a private slice of the outdoors - open sky, open possibilities, and plenty of room to enjoy it all. The next owners will also enjoy the comfort of a brand new AC system (replaced 2025) and water heater (replaced 2026) - the kind of quiet detail that means the story here is just getting started. And the setting? Even better. Located in Union County with no city taxes, and positioned just minutes from the energy of surrounding cities, 422 Bougainvillea Court gives you the best of both worlds - the quiet of a well-established neighborhood, with everything you need close at hand. Every great story has a moment where everything falls into place. This might be yours. Schedule your showing today.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Rocky River ElementaryGrades PK-51.4 mi
3/10
Sun Valley Middle SchoolGrades 6-82.8 mi
5/10
Sun Valley High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Slab
  • Construction materials: Stone Veneer,Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Electric Cooktop,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Flooring: Carpet,Linoleum
  • Finished area below ground: 0
  • Finished area above ground: 3,138

Heating & Cooling

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

Interior Area

  • Total structure area: 3,138
  • Total interior livable area: 3,138 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Loft

  • Level: Upper

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 09402962
  • Zoning: AG2
  • Special condition: Standard

Features

  • Levels: One and One Half
  • Stories: 1
  • Pool features: Community
  • Patio & porch: Front Porch,Patio
  • Fencing: Back Yard,Wood

Lot

  • Lot size: 0.16 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
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Union 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 $2,098$25,176
Home Insurance *$136$1,632
Property Taxes $163$1,956
Electricity $292$3,507
Total$2,689$32,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,194/yr
40% on housing$80,670/yr
45% on housing$71,706/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: 9.3%
9.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$132This listing

vs Other Active Listings

Avg $/sqft

ZIP 28110$190
Union County$223

vs Homes Sold Last Month

Median $/sqft

ZIP 28110$200
Union County$205

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$415,000
2026-04-16Listed for sale$420,000
2025-06-23Sold$395,000
2025-05-08Price change$395,000
2025-02-22Price change$405,000
2025-01-10Price change$419,000
2024-12-18Price change$430,000
2024-12-10Listed for sale$445,000
2024-11-13Listing removed$445,000
2024-09-11Listed for sale$449,000
2024-07-10Listing removed$450,000
2024-06-13Listed for sale$460,000
2022-12-06Sold$350,000
2022-11-23Pending sale$360,000
2022-11-07Contingent$360,000
2022-11-03Price change$360,000
2022-10-24Price change$384,900
2022-10-12Price change$397,000
2022-10-01Listed for sale$407,000
2018-06-04Sold$247,825
2018-05-06Pending sale$245,000
2018-05-01Listed for sale$245,000
2008-12-01Sold$189,500

For Sale by Agent

AgentChristen Ripoli
BrokerageReal Broker, LLC

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