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John KurtzCharlotte · NC

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Charlotte · Charlotte, NC

435 S Tryon Street #901

Charlotte, NC · 2,539 sqft

$1,975,000

  • 2Beds
  • 2.5Baths
  • 2,539SqFt
  • 2002Year
  • 41Days on market

About this home

Welcome to an extraordinary Penthouse residence in The Ratcliffe, one of Uptown Charlotte’s most distinguished addresses. This two-level, loft-style home is a masterclass in refined urban living, where every surface, view, and architectural element contributes to a narrative of elegance, sophistication, and character. From the moment you enter, you’ll appreciate the seamless flow of the open-concept main level. Floor-to-ceiling glass walls bathe the living, dining, and kitchen spaces in natural light, framing stunning South Tryon and skyline views. A dramatic floating glass-and-metal staircase becomes a sculptural centerpiece.The chef’s kitchen is a masterpiece—custom-designed by Poliform, Italy’s premier luxury cabinetry brand—featuring sleek, handle-free surfaces, integrated appliances, a built-in coffee station, and minimalist finishes that define modern elegance. Culinary enthusiasts will appreciate the Gaggenau appliance suite, celebrated for its precision engineering and sleek aesthetic, seamlessly integrated into Poliform custom cabinetry. Rich stone surfaces set against crisp lines and muted tones. Upstairs, the private quarters unfold with equal luxury and flexibility. A refined kitchenette or bar area supports the vision of a second living suite, guest retreat, or intimate lounge. This level flows seamlessly to a spectacular rooftop terrace, one of the home’s most captivating features. With multiple seating areas, space for grilling, and panoramic city views, this expansive outdoor haven offers an unmatched backdrop for morning coffee, sunset cocktails, or evening gatherings under the city lights. It’s the perfect blend of privacy and vibrancy, high above the heart of Uptown. The primary suite is its own sanctuary: a spa-like bath with dual-sink floating vanity, freestanding soaking tub, frameless glass shower, and precise architectural lighting. A custom walk-in wardrobe of dark wood cabinetry offers an abundance of tailored storage. Built with intention, this home is punctuated by premium finishes—wide-plank wood floors and concealed accent lighting; and discreet climate and sound-zoning systems ensuring comfort at every level. Every finish was selected to support a feeling of quiet luxury, balance, and visual calm. Crestron smart-home integration—often regarded as the Rolls-Royce of home automation—manages audio, video, and lighting systems for an elevated living experience. Yet this home is also steeped in Charlotte lore. The Ratcliffe condominium tower was sensitively built around the restored Ratcliffe Florist Shop, originally constructed in 1929 in Mediterranean Revival style and designed by local luminary architect William H. Peeps. The neon “Ratcliffe’s Flowers” sign remains an iconic piece of Uptown visual history.

Residents here enjoy direct access to the Overstreet Mall — connecting retail, services, and links to major office towers — without stepping foot outside on inclement days.

The Ratcliffe also fronts “The Green”, an interactive pocket park with sculptural elements, water features, quiet garden paths, and vibrant public activation, creating a rare balance of urban energy and tranquil respite. Project for Public Spaces

From this vantage point, you are within walking distance to the Bechtler Museum of Modern Art, the Knight Theater, BB&T Ballpark, fine dining, cultural venues, and the pulse of Charlotte’s financial district.

If you’re seeking a home that is as functional as it is beautiful—a space with strong architectural presence, refined materials, and unique historical soul—this penthouse at The Ratcliffe delivers in every category.

Property details

Beds
2
Baths
2.5
SqFt
2,539
Lot
Year built
2002
Type
Condo
Days on market
41
Style
Traditional
Heating
Geothermal
Cooling
Central Air, Geothermal
Foundation
Slab
HOA dues
$1,317 / mo

Features

  • Breakfast Bar
  • Cable Prewire
  • Garden Tub
  • Storage
  • Walk-In Closet(s)
  • Wet Bar

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$15,852/ month

Principal & interest
$12,231
Property tax (~1.05%)
$1,728
Homeowners insurance
$576
HOA dues
$1,317

Down payment

$98,750 down · $1,876,250 financed

Income to qualify (28% rule)

~$679,410 / 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

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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.