641 Cottonfield Circle

Waxhaw, NC
$ 1,299,000 Beds 4 Baths 6.5 Sq 5,305 Virtual Tour
Monthly Estimate* How much can I afford?

Stunning custom-built full brick home on a private 1.2-acre lot in an established Waxhaw community with sought-after Marvin schools. This thoughtfully designed residence embodies refined luxury and effortless entertaining, offering 4 bedrooms, a private office, a spacious bonus room, 6 full baths, and an extra half bath. The open floor plan features coffered ceilings, extensive trim work, and no carpet throughout. At the heart of the home, the chef's kitchen is both functional and impressive - anchored by an oversized island, abundant counter space, quartz countertops, gray shaker cabinetry, a bold tile backsplash, double wall ovens, and a gas cooktop - all open to the breakfast area and family room with a sleek electric fireplace that brings both modern style and cozy ambiance. The main level also includes a formal dining room, private office, and a generous utility room with laundry. The main-level primary suite serves as a true private retreat with cove ceiling lighting, an electric fireplace, a custom closet, and a spa-inspired bath with designer tile finishes. Every bedroom features its own custom closet, offering thoughtful storage throughout. Upstairs, the expansive bonus room with a wet bar offers endless flexibility - media room, guest suite, or entertainment space. Additional highlights include a side-load 3-car garage, tankless water heater, and beautifully appointed bathrooms with stylish navy cabinetry throughout. Enjoy all of this with HOA dues of just $157 annually - exceptional value for the lifestyle and location. Located just minutes from Blakeney, Waverly, and all the dining, shopping, and conveniences the area has to offer. The septic permit is for 4 bedrooms.

Single Family

  • Price
  • $ 1,299,000
  • City
  • Waxhaw
  • Bedrooms
  • 4
  • Full Bathrooms
  • 6
  • County
  • UNION
  • Half Bathrooms
  • 1
  • Area
  • Union County
  • Lot Size
  • 1.2 Acres
  • Zip
  • 28173
  • Sqr Footage
  • 5,305
  • Year Built
  • 2026
  • Style
  • Transitional
  • MLS#
  • 4386937
Listed By: Keller Williams Ballantyne Area; michellehan.nc@kw.com
Data Source: Canopy MLS

Features

General

Living Area 5305
Sewer Septic Installed
Heating Natural Gas
Cooling Ceiling Fan(s),Central Air
Roof Architectural Shingle
Appliances Dishwasher,Double Oven,Gas Cooktop,Microwave,Tankless Water Heater,Wall Oven
Development Status Completed
HOA Fee 157
Garage Spaces 3
Architectural Style Transitional
Construction Materials Brick Full,Stone
Year Built 2026
View Year Round
Levels Two
Property Subtype Single Family Residence
Parcel Number 06-180-082
Assoc Fee Paid Per Annually
County Union
New Construction Yes
Property Type Residential
HOA Yes
Subdivision Name Providence Acres
Garage Y/N Yes
Full Baths 6
High School Marvin Ridge
City Waxhaw
Association Name Providence Acres Homeowners Association
Senior Community Y/N No
Lot Size Units Acres
Carport Y/N No
Elementary School Marvin
Middle/Junior High School Marvin Ridge
Additional Parcels Y/N No
Standard Status Active
CAR_HOASubjectTo Required
Construction Type Site Built
Tax Assessed Value 1442400
Listing Terms Cash,Conventional,FHA,VA Loan

Interior Features

Interior Amenities Attic Stairs Pulldown,Entrance Foyer,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s)
Flooring Hardwood,Tile
Fireplace Features Family Room,Primary Bedroom
Basement (Y/N) No
Fireplace Y/N Yes
Above Grade Finished Area 5305
Half Baths 1
Laundry Features Mud Room,Laundry Room,Main Level
Total Bedrooms 4
Total Baths 7
SqFt Main 3298
SqFt Garage 982
SqFt Upper 2007
Bedroom 1

Exterior Features

Parking Features Driveway,Attached Garage
Lot Features Corner Lot,Private
Water Source Well
Lot Size Area 1.2
Foundation Details Crawl Space
Lot Dimensions 189'x322'x183'x300'
Road Surface Type Concrete,Paved
Road Responsibility Publicly Maintained Road
Main Level Garage YN Yes

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Hickory, NC office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Marvin Elementary School
Middle School Marvin Ridge Middle School
High School Marvin Ridge High School

Price History

5/29/2026 Listed $1,500,000
6/20/2026 7% - $1,400,000
7/25/2026 4% - $1,350,000
8/30/2026 4% - $1,299,000

Property vs Zip Code Average in 28173

Price
AVG $1.11M
$1.3M
Year Built
AVG 2011
2026
Visits
AVG 231
477
Data Provided by Inside Real Estate®

641 Cottonfield Circle Waxhaw, NC is a Single Family Home for sale at $1299000 with 5305 sqft and a lot size of 1.2 Acres Acre(s). 641 Cottonfield Circle Waxhaw has 4 bedrooms, 6 baths and was built in 2026. The property's zip code is 28173 which is in Waxhaw, NC

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.