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Charlotte · Charlotte, NC

3608 Cowboy Lane

Charlotte, NC · 1,962 sqft

$385,000

  • 3Beds
  • 3Baths
  • 1,962SqFt
  • 1989Year
  • 156x494Lot

About this home

Rare opportunity to own 2.5 private acres in one of Charlotte's fastest-growing areas—offering the perfect balance of peaceful country living with everyday convenience. Nestled on a beautiful property complete with a fenced pasture, this home is ideal for those dreaming of space for horses, small livestock, gardening, or simply enjoying the privacy of acreage. Best of all, no HOA and no city taxes.

Inside, the open floor plan provides spacious, comfortable living with abundant natural light and a layout designed for both everyday life and entertaining. The kitchen features updated appliances and flows seamlessly into the main living areas. The oversized primary suite is a true retreat with a renovated en-suite bath and a generous walk-in closet. Two additional bedrooms each feature their own full bath, creating an exceptionally functional 3-bedroom, 3-bath floor plan for family or guests.

The expansive unfinished basement presents endless possibilities—create a second living area, home office, workshop, art studio, fitness room, or even explore rental or multi-generational living potential. An oversized two-car garage provides ample room for vehicles, hobbies, and additional storage.

Located just minutes from shopping, dining, and major commuter routes along Beatties Ford Road, this property delivers the rare feeling of living in the countryside while remaining close to everything Charlotte has to offer.

Sold As Is, this home appears structurally sound and is ready for its next owner to add their personal style and updates. Whether you're looking for privacy, acreage, space for animals, or a property with incredible potential, this home is truly a unique opportunity.

Property details

Beds
3
Baths
3
SqFt
1,962
Lot
156x494
Year built
1989
Type
Single Family
Garage
2
Heating
Central, Electric, Heat Pump
Cooling
Central Air, Electric, Heat Pump
Foundation
Basement
Flooring
Carpet, Laminate, Tile

Features

  • Open Floorplan
  • Split Bedroom
  • Walk-In Closet(s)
  • Fence

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$2,833/ month

Principal & interest
$2,384
Property tax (~1.05%)
$336
Homeowners insurance
$112
HOA dues

Down payment

$19,250 down · $365,750 financed

Income to qualify (28% rule)

~$121,439 / 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.