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John KurtzCharlotte · NC

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Mt Ulla · Mt Ulla, NC

1255 Gardenia Drive #40

Mt Ulla, NC · 3,222 sqft

$555,900

  • 4Beds
  • 3.5Baths
  • 3,222SqFt
  • 2026Year
  • 48Days on market

About this home

Only $1,000 down to write a contract—don’t miss this exceptional opportunity to own brand-new construction in the desirable McNeely Farms community in Mt. Ulla, NC! Situated on a spacious 1.01-acre homesite, this new construction home offers peaceful country living just minutes from downtown Mooresville, shopping, dining, and convenient access to I-77 and I-85.This thoughtfully designed home features 4 bedrooms, 3 full baths, a dedicated flex space/office, and a fully finished basement—perfect for today’s versatile lifestyle. The main level includes 3 bedrooms and 2 baths, along with a spacious open-concept kitchen showcasing quartz countertops, a large center island, tiled backsplash, and a gourmet stainless steel appliance package.The finished basement expands your living space with an additional bedroom, a flex room or office, and an impressive 27’ x 20’ recreation room—ideal for entertaining, a home gym, or media space. Enjoy seamless indoor-outdoor living with walk-out access to a patio and a private, level backyard.Laminate wood flooring flows throughout the main living areas, while the formal dining room is accented with elegant coffered ceilings. The primary suite offers a relaxing retreat, complete with a beautifully tiled 5-foot shower.Step outside to a 16’ x 14’ covered deck overlooking the serene surroundings—perfect for enjoying quiet mornings or evening gatherings. Exterior features include durable Hardie board siding and an upgraded stone package, all with the added benefit of no HOA fees. Closing cost paid (except prepaids and points) with use of preferred lender. Flex cash available to lower interest rate!!

Property details

Beds
4
Baths
3.5
SqFt
3,222
Lot
Year built
2026
Type
Single Family
Days on market
48
Garage
3
Style
Ranch
Heating
Electric, Heat Pump
Cooling
Central Air, Electric
Foundation
Basement
Flooring
Carpet, Laminate, Vinyl

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$4,091/ month

Principal & interest
$3,442
Property tax (~1.05%)
$486
Homeowners insurance
$162
HOA dues

Down payment

$27,795 down · $528,105 financed

Income to qualify (28% rule)

~$175,345 / 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.

Location

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.