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
Gallery — 40 photos
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.


