Charlotte · Charlotte, NC
10474 Black Locust Lane
Charlotte, NC · 3,269 sqft
$599,000
- 4Beds
- 3.5Baths
- 3,269SqFt
- 2018Year
- 7Days on market
About this home
This immaculate 2018-built home located in the highly desirable prime location of the Harrisburg–Charlotte border, offers a Charlotte address with the added benefit of lower Cabarrus County property taxes - providing exceptional value and strong long-term resale appeal. Featuring 3,269 sq ft of open-concept living space, the main level includes a dedicated office and a chef’s gourmet kitchen featuring stainless steel appliances including a gas range with double ovens, granite countertops, walk-in pantry, and an oversized island overlooking a dining area with abundant natural light - ideal for entertaining and everyday living. Upstairs offers a spacious primary suite with dual walk-in closets and a spa-inspired bath. Secondary bedrooms are well-appointed, including one with a private ensuite full bath perfect for guests. A versatile loft provides flexible space for a media room, fitness area, or additional living space.
Property details
- Beds
- 4
- Baths
- 3.5
- SqFt
- 3,269
- Lot
- —
- Year built
- 2018
- Type
- Single Family
- Days on market
- 7
- Garage
- 2
- Heating
- Heat Pump
- Cooling
- Central Air
- Foundation
- Slab
- HOA dues
- $425 / 6mo
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance, HOA
$4,479/ month
- Principal & interest
- $3,709
- Property tax (~1.05%)
- $524
- Homeowners insurance
- $174
- HOA dues
- $70
Down payment
$29,950 down · $569,050 financed
Income to qualify (28% rule)
~$191,976 / year household
A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he 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.


