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John KurtzCharlotte · NC

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Charlotte · Charlotte, NC

401 N Church Street #103

Charlotte, NC · 1,438 sqft

$599,900

  • 3Beds
  • 2Baths
  • 1,438SqFt
  • 2002Year
  • 17Days on market

About this home

This is not your typical Jefferson Square condo. Unit 103 is a rare 3-bedroom, one-level corner residence with true walk-out outdoor living and iconic Uptown skyline views—offering a lifestyle and layout that is increasingly difficult to find anywhere in Center City Charlotte.

While most Uptown condos rely on balconies and elevators, this residence opens directly to an expansive private patio—your own front porch to the city—creating seamless indoor-outdoor living that feels far more like a home than a condo. Direct street-level access means no elevators, no long interior hallways, and no detached urban living experience. Just an easy, private connection to the neighborhood outside your door.

Morning coffee, evening wine, walks through Fourth Ward, dinner reservations, Panthers games, concerts, green space, dog walks—it all becomes part of your daily rhythm. And yes, your pooch will absolutely love it too.

Inside, a true foyer entry sets the tone for a residence that feels warm, substantial, and residential in all the right ways. Windows wrap the home with natural light, while the living spaces center around a gas log fireplace and effortless connection to the patio beyond.

The updated kitchen features Bosch appliances, a functional breakfast bar, generous prep space, and abundant storage, while a full-size laundry room adds everyday practicality rarely found in urban condo living.

The primary suite offers impressive scale, a walk-in closet, and an updated bath with a new glass shower enclosure. Secondary bedrooms are thoughtfully separated, including a flexible third bedroom ideal for guests, office, media room, or den.

Two deeded parking spaces and a private storage unit complete one of the most compelling lifestyle opportunities currently available in Uptown.

And the energy feels different here.

Less flashy. More grounded. More Fourth Ward.

Located in Historic Fourth Ward—one of Charlotte’s most beloved urban neighborhoods—this residence places you just one block from Fourth Ward Park, surrounded by tree-lined streets, Victorian architecture, and a softer, more walkable side of city living rarely found in high-rise environments.

You’re not walking into a revolving door of valet stands and transient energy. You’re stepping into one of Uptown’s most established residential neighborhoods—where the skyline still shows up, but life feels calmer around it.

From here, Uptown unfolds around you. Romare Bearden Park, Truist Field, Spectrum Center, Bank of America Stadium, museums, restaurants, nightlife, and Blumenthal Performing Arts Center are all within easy reach, while Harris Teeter sits just a couple of blocks away for everyday convenience.

The future Main Library redevelopment—an ambitious 115,000-square-foot civic destination opening in 2027—adds yet another layer to the area’s continued evolution and long-term appeal.

Rare layout. True outdoor living. Walkable city lifestyle. A condo that lives like a home.

Settlers Place isn’t trying to be the tallest building in Charlotte.

It’s trying to be livable.

Which may actually matter more.

Property details

Beds
3
Baths
2
SqFt
1,438
Lot
Year built
2002
Type
Condo
Days on market
17
Garage
2
Style
Transitional
Heating
Heat Pump
Cooling
Central Air, Heat Pump
Foundation
Other - See Remarks
Flooring
Carpet, Hardwood
View
City
HOA dues
$654 / mo

Features

  • Cable Prewire
  • Entrance Foyer
  • Kitchen Island
  • Open Floorplan
  • Walk-In Closet(s)
  • Storage

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$5,069/ month

Principal & interest
$3,715
Property tax (~1.05%)
$524
Homeowners insurance
$174
HOA dues
$654

Down payment

$29,995 down · $569,905 financed

Income to qualify (28% rule)

~$217,252 / 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.