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
Gallery — 21 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.


