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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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802 White Oaks Cir , Monroe, NC 28112
$467,900
Est. Payment: $2,629.61/mo
3 Bed
3 Bath
2200 Sqft
0.58 Acres
Status: active | Days on site: 66
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Terri Bias
Operator/Brokerage Owner

House Description

Seller is offering up to $7,000 toward buyer closing costs OR a rate buydown (permanent or 2-1). Buyer may choose the option that best fits their loan. ASK ABOUT THE ADDITIONAL LENDER CREDITS of up to 4500 THAT MAY BE AVAILABLE THROUGH OUR PREFERRED LENDERS..A premium home WARRANTY is also included for added peace of mind. A warm, welcoming family home on a spacious, level .58-acre lot — with no HOA and county taxes only. This custom-built property offers the quality, privacy, and long-term comfort that today’s new subdivisions simply can’t match. Thoughtfully maintained and filled with practical updates, this home provides room to grow, space to play, and the freedom to enjoy your property without restrictions. Step inside to a bright, comfortable layout featuring newer flooring throughout most of the first floor and fresh paint in the secondary bedrooms. The kitchen is ready for everyday cooking and family gatherings, complete with granite countertops and a brand-new electric stove. A dedicated office on the main floor provides a quiet space for remote work, homework, or hobbies, and the home also includes a large bonus room that serves as a flexible area perfect for a playroom, media room, home gym, or additional living space. Upstairs, the primary bedroom includes newer flooring and a peaceful retreat from the main living areas. Outside is where this home truly shines. The level, partially fenced .58-acre lot offers privacy, mature trees, and a beautiful backdrop of woods behind the home — perfect for families who love nature, pets who need space, or anyone who enjoys quiet evenings outdoors. Spend summer days in the one-year-old above-ground pool, gather around the firepit, and enjoy the freedom to personalize your yard without HOA limitations. The property also includes full RV hookups with both 30-amp and 50-amp service, plus sewer — a rare and valuable feature for RV owners or visiting family. The oversized 2.5-car garage provides generous storage space for vehicles, tools, hobbies, or outdoor equipment, and fiber-optic internet is already installed, making remote work and streaming effortless. Built with care and meant to last, this home stands apart from the mass-produced builds nearby. They can’t match the long-term value of a custom home on a large, level lot with lower monthly costs thanks to county taxes only and no HOA fees. This is a home designed for comfort, stability, and everyday living — a place your family can truly settle into. Seller owned security system conveys with the home offering the flexibility of professional or self-monitoring. If you’re looking for a home with character, space, and lasting quality, this welcoming Monroe property is ready for you. Nearby Schools include Cata, Union Academy and American Leadership Academy.

Highlights

Listed by Jennie Griffin , 704-577-1047 ProStead Realty , 704-333-8905. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.58

Year Built

2015

County

Union

Neighborhood

White Oak

Listing ID

4404556

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:2
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Gas Water Heater, Microwave, Refrigerator
Air Cond:Central Air,Gas
Fireplaces:
Floor:Carpet,Linoleum,Vinyl
Above Ground Sq Ft:2200
Other:
  • ▪ Additional:Attic Stairs Pulldown, Kitchen Island, Open Floorplan, Walk-In Pantry
Water:County Water

Exterior Features

Zoning:AF8
Roof:Architectural Shingle
Others:
  • ▪ Additional:Fire Pit
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage,Garage Faces Side
Principal Interest
$2,630
Taxes
$298

Home Price

$467,900

Loan Details

30 yrs
7.548%

Down Payment

20%
$93,580
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:
$2,629.61

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,629.61 $298.29 $0.00 $2,927.90
Yearly $31,555.37 $3,579.44 $0.00 $35,134.80
Total $946,661.01 $107,383.05 $0.00 $1,054,044.06

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: 2026-10-14T19:53:06.000Z

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