Cottage / Storybook home in Charlotte, NC
A Cottage home in Charlotte, NC, it offers 3 bedrooms and 3 bathrooms across 1,932 square feet. The listing highlights a swimming pool. The Cottage styling carries through the home's design.
| Price | $635,000 |
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| Beds | 3 |
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| Baths | 3 |
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| Sqft | 1932 |
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| Architectural style | Cottage / Storybook (33% match) |
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| Address | 822 Ingraham Place, Charlotte, NC 28270 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Features: swimming pool.
- Links directly to the original source listing on Estately.
Is this a good buy?
Priced in line with the area.
- At $635K, this home is 2% above the $620K median for 277 similar Cottage / Storybook homes in Charlotte, NC.
- That works out to $329 per square foot, 4% above the $317 comparable rate.
- New to market (7 days), so expect competition.
| This home | $635,000 |
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| Cottage / Storybook median in Charlotte, NC | $620,000 (277 homes) |
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| Price per sq ft | $329 vs. $317 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $4,148/month with 20% down at a 7.28% 30-year fixed rate. You would need about $177,765 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $3,476/mo |
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| Property tax (new-buyer reassessed rate) | $434/mo |
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| Homeowners insurance | $238/mo |
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| Total monthly | $4,148/mo |
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| Down payment (20%) | $127,000 |
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| Income needed | $177,765/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home B (71 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | B (71/100) |
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| Beats renting in | 27% of modeled paths |
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| Modeled 5-yr equity (median) | $355,578 |
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| Range (10th to 90th pct) | $224,816 to $514,505 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Charlotte, NC where local data is thin.
Local home values
Typical home values in Charlotte, NC have risen about 22% over the past 5 years (-1% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Estately