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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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129 S Gardner Ave , Charlotte, NC 28208
$794,900
Est. Payment: $4,071.87/mo
4 Bed
4 Bath
2297 Sqft
Status: active | Days on site: 68
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Terri Bias
Operator/Brokerage Owner

House Description

Built in 2022 with no HOA, this move in ready Charlotte home combines newer construction, generous indoor and outdoor space, and convenient access to Uptown. The thoughtfully designed floor plan includes a main level primary suite, dedicated home office, upstairs loft, three additional bedrooms, three and a half baths, an attached two-car garage, and a fully-fenced quarter acre yard. Located in the Smallwood area just minutes from Uptown Charlotte, the home features soaring ceilings, abundant natural light, hardwood floors, fresh paint, custom lighting, and contemporary finishes throughout. At the center of the open main level is a spacious kitchen featuring white quartz countertops, subway tile backsplash, stainless steel appliances, an oversized island with brass pendant lighting, and a large double door pantry. The kitchen flows directly into the dining and living areas, where cathedral ceilings and expansive glass bring in natural light and create a direct connection to the backyard. Privately positioned on the main level, the primary suite offers cathedral ceilings, oversized windows with electronic privacy blinds, a custom walk in closet, dual vanities, a skylight, and an oversized glass enclosed shower. A dedicated home office, powder room, laundry room with cabinetry, and attached two car garage complete the first floor. Upstairs, a versatile loft provides valuable flex space for a media room, fitness area, playroom, or second office. Three generously sized bedrooms each feature walk in closets and abundant natural light. Two full hallway bathrooms serve the upstairs bedrooms, each with its own distinctive custom finishes. One boasts dark wood cabinetry, an expansive double vanity, light countertops, a frameless glass walk-in shower with custom tile, and a linen closet. The second offers crisp white cabinetry, a charcoal countertop, black hardware, generous vanity storage, a tub and shower combination with custom tile detailing, and a skylight. Outdoor space is another standout. The fully-fenced quarter acre homesite combines open lawn with mature trees, creating plenty of room for pets, play, gardening, recreation, and outdoor entertaining. A covered front porch adds inviting outdoor living at the front of the home, while the rear patio opens directly from the main living area into the backyard. Rozzelles Ferry Road provides direct access toward Uptown Charlotte, with I 77 and I 277 nearby for connectivity throughout the city. Restaurants, shopping, parks, greenways, playgrounds, pickleball courts, public transportation, and nearby light rail access add to the convenience. With substantial living space, a two car garage, flexible work and recreation areas, and a large fenced yard, this home offers a combination of space, modern design, and outdoor living that can be difficult to find this close to Center City.

Highlights

Listed by Mallory Kridler , 704-995-4319 EXP Realty LLC Rock Hill , 888-440-2798. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.26

Year Built

2022

County

Mecklenburg

Neighborhood

Smallwood

Listing ID

4390270

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:4
  • Full Bathrooms:3
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Electric Range, Electric Water Heater, Exhaust Hood, Microwave, Refrigerator, Self Cleaning Oven
Air Cond:Central Air
Fireplaces:
Floor:Tile,Wood
Above Ground Sq Ft:2297
Below Ground Sq Ft:0
Other:
  • Additional:Attic Stairs Pulldown, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s), Master on Main
Water:City

Exterior Features

Lot:Cleared,Level
Zoning:R-5
Roof:Architectural Shingle
Sewer:Public Sewer
Parking Features:Driveway,Attached Garage,On Street
Principal Interest
$4,072
Taxes
$507

Home Price

$794,900

Loan Details

30 yrs
6.625%

Down Payment

20%
$158,980
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:
$4,071.87

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,071.87 $506.75 $0.00 $4,578.61
Yearly $48,862.39 $6,080.99 $0.00 $54,943.37
Total $1,465,871.57 $182,429.55 $0.00 $1,648,301.12

Today's Rates

30 Year

6.63%

20 Year

6.38%

15 Year

6%

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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

IDX service by Blueroof 360

Data last updated: 2026-08-24T14:14:07.000Z

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