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Charlotte · Charlotte, NC

10009 Thomas Payne Circle

Charlotte, NC · 3,035 sqft

$824,900

  • 4Beds
  • 2.5Baths
  • 3,035SqFt
  • 1981Year
  • 1Days on market

About this home

GOLF COURSE LIVING + $50,000 RAINTREE COUNTRY CLUB INITIATION FEE CURRENTLY WAIVED FOR ELIGIBLE PROPERTY OWNERS! Located in Williamsburg at Raintree, this 4-bedroom, 2.5-bath brick center-hall Colonial offers an exceptional combination of golf course views, classic architectural character, a spacious mature lot, and low annual HOA dues. With the Raintree golf course directly behind the property, the backyard opens to an expansive green backdrop and mature tree canopy rather than another home immediately behind you. A large front lawn, established landscaping, and spacious lot create the privacy, character, and breathing room that can be difficult to find in newer construction. This home features rich moldings, millwork, and hardwood floors throughout the entire main level. The main floor includes an updated kitchen, formal dining room, bright living room, first-floor laundry room, and a comfortable family room anchored by a gas fireplace. Upstairs, the primary suite boasts wood-look laminate flooring, an updated bath, a walk-in closet, and a separate flex room—ideal for a home office, dressing room, nursery, or fitness area. Three additional bedrooms and a large bonus room provide plenty of flexible space for guests, recreation, or media. One of the home's standout features is the enclosed screened porch. Its elevated setting offers peaceful, treehouse-like views over the golf course and mature trees, making it a wonderful space for morning coffee, outdoor dining, or evening relaxation. The prime South Charlotte location is hard to beat. Enjoy the quiet, established neighborhood setting while being approximately 5 minutes from The Arboretum and 7 minutes from Stonecrest, Rea Farms, Waverly, and I-485 (with easy access from both Rea and Providence Roads). This is a rare opportunity to enjoy the Raintree lifestyle, golf course setting, space, character, and unbeatable location in an established community!

Property details

Beds
4
Baths
2.5
SqFt
3,035
Lot
Year built
1981
Type
Single Family
Days on market
1
Garage
2
Style
Traditional
Heating
Forced Air, Natural Gas, Zoned
Cooling
Ceiling Fan(s), Central Air, Zoned
Foundation
Crawl Space
HOA dues
$300 / yr

Features

  • Attic Stairs Pulldown
  • In-Ground Irrigation

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$6,096/ month

Principal & interest
$5,108
Property tax (~1.05%)
$721
Homeowners insurance
$240
HOA dues
$25

Down payment

$41,245 down · $783,655 financed

Income to qualify (28% rule)

~$261,267 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. Christy can introduce you to lenders she trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

About Charlotte

Metro core · Multi-ZIP coverage

The metro itself — Christy works Charlotte across multiple sub-markets, from the inner-ring streetcar suburbs through Ballantyne and the East side.

Explore Charlotte

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