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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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5115 Waxhaw Hwy , Monroe, NC 28112
$665,000
Est. Payment: $3,737.32/mo
3 Bed
3 Bath
2603 Sqft
3.92 Acres
Status: active | Days on site: 26
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R06536 - 21209,31285
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Terri Bias
Operator/Brokerage Owner

House Description

The Unicorn Home You’ve Been Waiting For! Would you like a little space around you but enjoy a prime location, nearly 4 acres, only 3 years old, & NO HOA! This stunning home offers an incredible combination of space, privacy, thoughtful upgrades, and custom details that you simply don’t want to miss. As you arrive, the long driveway leads you to a beautifully positioned home set well back from the road, surrounded by mature trees and peaceful natural views. The welcoming covered front porch, complete with a custom swing, is the perfect spot to relax and take in the scenery. Step inside and prepare to be impressed. The spacious living room showcases a dramatic vaulted ceiling and stunning two-story shiplap fireplace, creating a beautiful focal point and an inviting atmosphere. The open-concept design flows seamlessly into the dream chef’s kitchen, featuring a massive quartz island with three pendant lights, tiled backsplash, stainless steel appliances, and a large window overlooking the backyard. The generous dining area offers plenty of space for entertaining, a beautiful statement light fixture, and an abundance of natural light. The split-bedroom floor plan provides privacy and functionality, with the primary suite privately tucked away on one side of the main level while two additional bedrooms and a full bathroom are located on the opposite side. The main-level primary suite is a true retreat, featuring a tray ceiling and gorgeous views of the backyard. The spa-inspired primary bathroom feels like luxury at home, with a large custom-tiled shower, oversized dual vanity, and stunning freestanding soaking tub. A private water closet and enormous walk-in closet complete the suite. Adding even more convenience, the spacious laundry room features two entrances, connecting directly to the primary suite and the main hallway. The home also offers an attached oversized 2-car garage, providing plenty of room for vehicles, storage, tools, hobbies, or additional workspace. And then there’s the hidden surprise upstairs! An enormous bonus room with a large closet and half bathroom offers endless possibilities — whether you envision a media room, home office, playroom, guest space, or potential fourth bedroom. But the real showstopper awaits outside. The backyard oasis begins with a large covered patio overlooking the wooded backdrop. The property extends deep into the trees along the left side of the home, creating an incredible sense of privacy and offering endless possibilities for outdoor living, trails, adventures, gardening, recreation, or simply enjoying nature. With nearly 4 acres, no HOA, newer construction, an oversized attached 2-car garage, an impressive list of upgrades, a thoughtful floor plan, and a private wooded setting, this is the kind of property that rarely comes along. Come experience this one-of-a-kind home and see why it truly is a unicorn!

Highlights

Listed by Tracy Anderson , 704-219-0290 and Nicki Dembek , 704-219-0290 Cross Keys LLC , 980-999-0534. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
3.92

Year Built

2023

County

Union

Listing ID

4424543

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Convection Oven, Dishwasher, Double Oven, Electric Oven, Electric Water Heater, Exhaust Fan, Microwave, Washer/Dryer
Air Cond:Central Air
Fireplaces:Electric,Great Room
Floor:Carpet,Tile,Vinyl
Above Ground Sq Ft:2603
Other:
  • ▪ Additional:Attic Stairs Pulldown, Drop Zone, Kitchen Island, Open Floorplan, Split Bedroom, Walk-In Closet(s), Walk-In Pantry, Has Fireplace, Master on Main
Water:County Water

Exterior Features

Lot:Cleared,Level,Wooded
Lot Dimensions:Per Tax Records
Zoning:AJ1
Roof:Architectural Shingle,Metal
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage,Garage Door Opener,Garage Faces Side,Parking Space(s),RV Access/Parking
Principal Interest
$3,737
Taxes
$424

Home Price

$665,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$133,000
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:
$3,737.32

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,737.32 $423.94 $0.00 $4,161.26
Yearly $44,847.87 $5,087.25 $0.00 $49,935.12
Total $1,345,436.15 $152,617.50 $0.00 $1,498,053.65

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 (Monroe, 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: 2026-10-14T15:52:06.000Z

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