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Charlotte · Charlotte, NC

12604 Congregation Drive

Charlotte, NC · 2,764 sqft

$499,000

  • 4Beds
  • 3Baths
  • 2,764SqFt
  • 2013Year
  • 1Days on market

About this home

Welcome home to this beautifully maintained 4BD, 3BA residence that's situated on a desirable corner lot! This home stands out as one of the few in the neighborhood featuring impressive 9ft ceilings on both floors, complemented by elegant 8ft doors throughout. Step inside to discover luxury vinyl plank flooring, upgraded lighting, & a striking stone fireplace that anchors the spacious living area. The gourmet kitchen is designed to impress with granite countertops, stainless steel appliances, & ample space for cooking & gathering. The expansive primary suite is a true retreat, complete w a cozy sitting area, a spa-inspired en-suite bath, & dual walk-in closets. Generously sized secondary BDs, a versatile loft, & thoughtfully designed living spaces provide room for everyone. Enjoy outdoor living in the fully fenced backyard featuring an oversized patio, lush irrigated lawn, & a natural gas connection ready for your grill—perfect for entertaining family and friends. This meticulously cared-for home combines premium upgrades with everyday convenience & is truly move-in ready. Don't miss your opportunity to make it yours—schedule your private showing today!

Property details

Beds
4
Baths
3
SqFt
2,764
Lot
Year built
2013
Type
Single Family
Days on market
1
Garage
2
Heating
Central
Cooling
Central Air
Foundation
Slab
Flooring
Carpet, Tile, Vinyl

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$3,672/ month

Principal & interest
$3,090
Property tax (~1.05%)
$436
Homeowners insurance
$145
HOA dues

Down payment

$24,950 down · $474,050 financed

Income to qualify (28% rule)

~$157,398 / 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

Begin the conversation

When you're
ready, so am I.

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.