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Charlotte · Charlotte, NC

1821 Umstead Street

Charlotte, NC · 3,906 sqft

$1,650,000

  • 5Beds
  • 4.5Baths
  • 3,906SqFt
  • 2026Year
  • 1Days on market

About this home

Rare VILLA HEIGHTS, NEW CONSTRUCTION opportunity to personalize every finish & create a home that's truly your own! With a spacious, flat backyard, you'll have the perfect canvas to create your own private outdoor oasis! Perfectly positioned just steps from everything Villa Heights has to offer, this stunning modern residence seamlessly blends contemporary design with the neighborhood's vibrant charm.The striking curb appeal enhanced by architectural details & elegant night lighting sets the tone. As you step inside, you'll be immediately impressed with the functional open-floor-plan paired with expansive windows creating tons of natural light! Main level offers a private executive office, kitchen fit for a chef designed for both function & beauty! Oversized kitchen island, custom built-in cabinetry, sleek quartz countertops, high-end SS appliances & walk-in pantry complete with a built-in water station will not disappoint. This tastefully designed home is complete with 2 PRIMARY SUITES & 2 LAUNDRY ROOMS both on the main & upper levels for ultimate convenience. Main level primary suite feels like a luxury retreat with a spa-inspired bath, heated floors, soaking tub & expansive walk-in closet with solid wood cabinetry. Upper level offers an additional loft/flex space equipped with a wet bar perfect for a movie theater, home gym, workshop or even an additional office. Welcome to the lifestyle you deserve!

Property details

Beds
5
Baths
4.5
SqFt
3,906
Lot
Year built
2026
Type
Single Family
Days on market
1
Garage
2
Heating
Heat Pump
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Wood

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$12,143/ month

Principal & interest
$10,218
Property tax (~1.05%)
$1,443
Homeowners insurance
$481
HOA dues

Down payment

$82,500 down · $1,567,500 financed

Income to qualify (28% rule)

~$520,454 / 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.