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Charlotte · Charlotte, NC

1304 N Caldwell Street

Charlotte, NC · 3,513 sqft

$1,415,000

  • 4Beds
  • 3.5Baths
  • 3,513SqFt
  • 2026Year
  • 1Days on market

About this home

Modern 2-story home in desirable Optimist Park featuring 4 bedrooms, 3.5 baths, and designer finishes throughout. Open-concept floor plan with all hardwood flooring and a dedicated office with modern glass barn door. The chef’s kitchen showcases a waterfall-edge island, 48" dual-fuel range with griddle, custom hood, full appliance suite, large pantry, and entertaining bar with wine cooler and floating shelves. Family room features a stunning tiled fireplace, while the dining area is accented with designer sconces. Upstairs, the spacious primary suite opens to a covered porch with incredible city views and includes a luxurious bath with a large tiled shower. Three additional bedrooms include an ensuite and a Jack-and-Jill bath. Additional features include a second coffee/beverage bar, upstairs laundry with cabinetry, tankless water heater, and designer lighting throughout. Enjoy a covered porch, fenced and sodded backyard, plus a painted 2-car garage with epoxy floors, high ceilings, and side-mount openers. Exceptional modern living in one of Charlotte’s most sought-after neighborhoods.

Property details

Beds
4
Baths
3.5
SqFt
3,513
Lot
Year built
2026
Type
Single Family
Days on market
1
Garage
2
Heating
Central, Electric, Heat Pump, Natural Gas
Cooling
Ceiling Fan(s), Central Air, Electric
Foundation
Crawl Space

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$10,414/ month

Principal & interest
$8,763
Property tax (~1.05%)
$1,238
Homeowners insurance
$412
HOA dues

Down payment

$70,750 down · $1,344,250 financed

Income to qualify (28% rule)

~$446,328 / 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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