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John KurtzNational Real Estate

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Charlotte · Charlotte, NC

1613 Umstead Street

Charlotte, NC · 4,187 sqft

$1,399,000

Reduced from $1,559,000

  • 4Beds
  • 4.5Baths
  • 4,187SqFt
  • 2025Year
  • 267Days on market

About this home

Experience the rare combination of new-construction luxury, exceptional space, and an unbeatable urban location. Ideally positioned in Belmont just minutes from Plaza Midwood, NoDa, and Uptown, this stunning 4-bedroom, 4.5-bath home offers approximately 4,200 square feet across three thoughtfully designed levels.

The main level was made for everyday living and effortless entertaining, featuring beautiful white oak flooring, a spacious open-concept living area, and a chef-inspired kitchen with a striking waterfall island, gas cooktop, double ovens, abundant cabinetry, and a walk-in pantry. The living space flows seamlessly to the screened porch and backyard, creating an inviting indoor-outdoor connection.

Upstairs, the private bedroom level offers generous accommodations, including a luxurious primary suite and well-appointed secondary bedrooms. Thoughtful details throughout the home provide the comfort and finish level expected from a truly exceptional new build.

Then comes the showstopper: the entire third floor is dedicated to living and entertaining. A spacious bonus room with its own kitchenette opens to a covered porch, creating an incredible private retreat for movie nights, game days, guests, a home office, or simply relaxing above it all. This flexible level gives the home a versatility rarely found in Charlotte's urban core.

Outside, enjoy a sizable backyard, two-car garage, and the convenience of being close to some of Charlotte's most sought-after restaurants, breweries, coffee shops, entertainment, greenways, and neighborhood destinations.

Why choose between space and location when you can have both? Live minutes from Uptown while enjoying the walkable, energetic lifestyle of Belmont and Plaza Midwood—all from a brand-new luxury home with room to truly live, work, and entertain.

1613 Umstead Street is more than a new home—it's an urban lifestyle with room to grow.

Property details

Beds
4
Baths
4.5
SqFt
4,187
Lot
Year built
2025
Type
Single Family
Days on market
267
Garage
2
Heating
Central, Heat Pump, Natural Gas
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Tile, Wood
View
City

Features

  • Attic Walk In
  • Drop Zone
  • Kitchen Island
  • Open Floorplan
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Wet Bar

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$10,296/ month

Principal & interest
$8,664
Property tax (~1.05%)
$1,224
Homeowners insurance
$408
HOA dues

Down payment

$69,950 down · $1,329,050 financed

Income to qualify (28% rule)

~$441,282 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.