Single Family Residence at Charlotte
Close to the lake - Charlotte
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ai inhanced - Charlotte
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$816,000

Charlotte, NC 28278
Listed by Rae Hoyal · EXP Realty LLC Rock Hill
Bedrooms
6
Bathrooms
4.5
Living area
4,213 sqft
Year built
2022

About this home

Designed for both everyday living and effortless entertaining, this upgraded home offers a custom saltwater pool, builder-finished basement level, flexible living spaces, and thoughtful improvements that add style and function throughout. The fully fenced backyard creates a resort-style outdoor setting with a 2023 custom saltwater fiberglass pool featuring a heater, smart controls, marble decking, and glass waterline tile. Whether relaxing, hosting, playing, or enjoying time outdoors, this space delivers the benefit of a completed pool and outdoor retreat without the cost or timeline of adding one after closing. The builder-finished basement level adds valuable flexibility with upgraded flooring, a shiplap electric fireplace, wet bar with beverage fridge, and designer finishes. Use it for movie nights, game days, entertaining, a lounge area, playroom, fitness space, or additional flex space. An unfinished basement section offers excellent storage and future-use potential for a workshop, hobby area, fitness equipment, or future customization. Solar panels convey. Existing solar loan to be assumed by buyer unless otherwise negotiated. Seller may consider paying off the solar loan with an acceptable offer. Utility averages, solar details, and loan information are available upon request. Conveniently located in Ridgewater, outside The Palisades, and Lake Wylie-area amenities, neighborhood trails, green space, nearby water access, shopping, dining, schools, and commuter routes. This home offers a compelling combination of pool living, flexible space, storage, upgrades, and everyday convenience.

Highlights

Private poolFireplace

Property details

MLS #
CAR4346580
Property type
Single Family Residence
Subdivision
Ridgewater
Status
Active
Days on market
130
On market date
February 20, 2026
Stories
N/A
Total bathrooms
4.5
Garage spaces
2
Parking spaces
N/A
Lot size
N/A
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
Palisades Park Elementary
2.88 mi away · Grades 0-5
Zoned school (attendance boundary, 2015-16 data)
3.4
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
821
Student:teacher ratio
18.7:1
District
Charlotte-Mecklenburg Schools
Middle
Southwest Middle School
4.61 mi away · Grades 6-8
Zoned school (attendance boundary, 2015-16 data)
2.3
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: D (2025)
Enrollment
1,328
Student:teacher ratio
17.0:1
District
Charlotte-Mecklenburg Schools
High
Cato Middle College High School
22.72 mi away · Grades 11-13
Zoned school (attendance boundary, 2015-16 data)
3.8
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: A (2025)
Enrollment
166
Student:teacher ratio
41.5:1
District
Charlotte-Mecklenburg Schools

Walkability

Blended score for Charlotte's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

24
Car-dependent
out of 100
EPA National Walkability Index
6.5 / 20 -- Below average walkable
Google Places amenity density
10 / 100
Restaurants & cafes0
Grocery stores0
Parks1
Schools1
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in Charlotte, from live MLS data.

On the market 130 days -- 58 more days than Charlotte's current average of 72 days.
For reference, the median list price across 3,662 active listings in Charlotte right now is $399,337.

Mortgage calculator

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Est. monthly payment
$5,064/mo
$163,200 down
$652,800 loan
Principal & interest$4,234
Property tax (est.)$680
Home insurance (est.)$150

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Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated June 30, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.