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Charlotte · Charlotte, NC

12101 Carolina Oak Circle

Charlotte, NC · 2,838 sqft

$485,000

Reduced from $510,000

  • 5Beds
  • 2.5Baths
  • 2,838SqFt
  • 1998Year
  • 71Days on market

About this home

Notable Improvements & Move-In Ready Appeal! A new HVAC unit, neutral paint throughout, new carpet, roof replaced in 2022, and several additional repairs make this spacious 4-bedroom + bonus/5th-bedroom home ready for its new owner. Located in The Crossings, a well-established neighborhood in the highly sought-after Steele Creek area of Southwest Charlotte, this home offers an ideal combination of comfort, space, and convenience, with easy access to I-77 and I-485. Upon entry, you’re welcomed by a grand two-story foyer with an impressive staircase that sets the tone for the home. Abundant natural light fills the open floor plan, creating a warm and inviting atmosphere that works beautifully for both everyday living and entertaining. The main level features a formal living room and dining room, along with a well-appointed kitchen offering a breakfast bar and eat-in dining area. The kitchen flows seamlessly into the family room and opens to a huge deck, creating an excellent space for relaxing or hosting gatherings. Beyond the deck is a rare, exceptionally large and level backyard—offering plenty of room for outdoor activities, entertaining, gardening, or creating your own private retreat. Upstairs, the desirable split-bedroom floor plan provides privacy and flexibility. The spacious primary suite features a tray ceiling and a generously sized ensuite bathroom with a jacuzzi tub, separate shower, and walk-in closet. A versatile bonus room, previously used as a sports and movie retreat, can easily be customized as a media room, playroom, gym, or 5th bedroom. Three additional bedrooms provide ample space for family, guests, and/or a home office. Ideally situated near Charlotte Premium Outlets, an array of restaurants, Lake Wylie, and top-rated schools, this home offers the indoor and outdoor space to accommodate a flexible lifestyle, along with the convenience and location you’ve been looking for. Come see all this Steele Creek home has to offer!

Property details

Beds
5
Baths
2.5
SqFt
2,838
Lot
Year built
1998
Type
Single Family
Days on market
71
Garage
2
Heating
Forced Air, Natural Gas
Cooling
Central Air
Foundation
Crawl Space
Flooring
Carpet, Tile, Wood
HOA dues
$125 / qtr

Features

  • Attic Stairs Pulldown
  • Breakfast Bar
  • Cable Prewire
  • Central Vacuum
  • Entrance Foyer
  • Garden Tub
  • Open Floorplan
  • Pantry
  • Split Bedroom
  • Walk-In Closet(s)
  • Fire Pit

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$3,611/ month

Principal & interest
$3,003
Property tax (~1.05%)
$424
Homeowners insurance
$141
HOA dues
$41

Down payment

$24,250 down · $460,750 financed

Income to qualify (28% rule)

~$154,768 / 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

Similar in Charlotte

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Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.