home in Charlotte, NC
This 3,881-square-foot home in Charlotte, NC includes 4 bedrooms and 3.5 bathrooms. Standout details include fireplace, open floor plan, vaulted / high ceilings, and walk-in closet.
| Price | $1,037,000 |
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| Beds | 4 |
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| Baths | 3.5 |
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| Sqft | 3881 |
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| Address | 127 Smithfield Dr, Charlotte, NC 28270 |
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Why buy this home
- Features: fireplace, open floor plan, vaulted / high ceilings, walk-in closet.
- Links directly to the original source listing on Trulia.
Is this a good buy?
Priced a little under the area.
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 $6,774/month with 20% down at a 7.28% 30-year fixed rate. You would need about $290,302 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $5,676/mo |
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| Property tax (new-buyer reassessed rate) | $709/mo |
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| Homeowners insurance | $389/mo |
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| Total monthly | $6,774/mo |
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| Down payment (20%) | $207,400 |
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| Income needed | $290,302/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) | $578,358 |
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| Range (10th to 90th pct) | $367,627 to $835,671 |
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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 Trulia