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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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12028 Grinstead Ln , Charlotte, NC 28278
$594,500
Est. Payment: $3,341.11/mo
5 Bed
3 Bath
2615 Sqft
0.17 Acres
Status: active | Days on site: 35
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2708 - 34208
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Terri Bias
Operator/Brokerage Owner

House Description

ASSUMABLE VA LOAN AT 5.375% WITH AN APPROXIMATE $579,000 LOAN BALANCE! A rare financing opportunity accompanies this like-new 5-bedroom, 3-bath home in sought-after Parkside Crossing. Qualified buyers may have the opportunity to assume the seller's existing VA mortgage at 5.375%, offering an exceptional alternative to obtaining a new mortgage at current market rates. Ask for details regarding the VA loan assumption, qualification requirements, and current loan balance. The popular Hampton plan by Pulte Homes offers an impressive combination of space, flexibility, and modern finishes. The open main level features a spacious living area, dedicated office, and a full guest suite with bedroom and bath—ideal for guests, multi-generational living, or additional work-from-home space. The kitchen is designed for both everyday living and entertaining with granite countertops, stainless steel gas appliances, tile backsplash, undercabinet lighting, and abundant workspace. Durable LVP flooring complements the open-concept design. Upstairs, the spacious primary suite features a walk-in closet, while additional bedrooms provide plenty of room for family and guests. A large open sitting room/bonus room adds even more flexibility and could serve as a second living area, exercise room, playroom, home office, or entertainment space. Outside, enjoy a large, level backyard with plenty of room to play, entertain, or potentially add fencing. An attached 2-car garage provides additional parking and storage. Parkside Crossing offers resort-style neighborhood amenities including a pool, clubhouse, playground, and dog park, while HOA dues also include high-speed internet and TV service. Conveniently located minutes from RiverGate Shopping Center and Lake Wylie, with easy access to Charlotte Douglas International Airport and all that southwest Charlotte has to offer. The combination of a like-new 5-bedroom home, desirable community amenities, and the potential to assume approximately $579,000 of existing VA financing at just 5.375% makes this an opportunity that is difficult to replicate. VA loan assumption is subject to buyer and servicer approval; loan balance is approximate and subject to change.

Highlights

Listed by Timothy Hansley , 704-621-6837 Dickens Mitchener & Associates Inc , 704-342-1000. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.17

HOA Fee

300 Quarterly

Year Built

2024

County

Mecklenburg

Neighborhood

Parkside Crossing

Listing ID

4420733

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dishwasher, Disposal, Electric Water Heater, Exhaust Hood, Gas Range, Microwave, Refrigerator with Ice Maker
Air Cond:Central Air,Zoned
Fireplaces:
Floor:Carpet,Tile,Vinyl
Above Ground Sq Ft:2615
Other:
  • ▪ Additional:Attic Stairs Pulldown, Cable Prewire, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s), Walk-In Pantry
Water:City

Exterior Features

Lot:Level
Lot Dimensions:52x140x52x140
Roof:Architectural Shingle
Sewer:Public Sewer
Parking Features:Driveway,Attached Garage,Garage Door Opener,Garage Faces Front
Principal Interest
$3,341
Taxes
$379
HOA
$300

Home Price

$594,500

Loan Details

30 yrs
7.548%

Down Payment

20%
$118,900
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,341.11

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,341.11 $378.99 $300.00 $4,020.10
Yearly $40,093.32 $4,547.93 $3,600.00 $48,241.25
Total $1,202,799.68 $136,437.75 $108,000.00 $1,447,237.43

Today's Rates

30 Year

7.55%

20 Year

7.5%

15 Year

6.75%

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Market insight data is pulled from the same city as the listing being viewed (Charlotte, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Terri Bias and Associates | PLACE nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
Listings courtesy of Canopy MLS as distributed by MLS GRID

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Data last updated: 2026-10-14T13:51:08.000Z

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