Property listing for 188 Mary Cir, Concord, NC 28025
ActiveSingle Family Home

$389,900

188 Mary Cir, Concord, NC 28025

Updated 2-Story Home on .82 Acre with Walkout Basement

3 Bed · 1.5 Bath · 1,910 Sq Ft

Remodeled kitchen, creek views, no HOA — close to Harrisburg and I‑485

3

Beds

1.5

Baths

1,910

Sq Ft

1973

Built

0.82 acres

Lot

No garage — circular driveway parking

Garage

About 188 Mary Cir

This two-story Concord home sits on a rare, private .82-acre lot that backs to a small creek — a true suburban retreat with modern finishes. The main level flows from an updated kitchen into living spaces designed for everyday life and entertaining. The remodeled kitchen features quartz countertops, new cabinetry, contemporary appliances, and efficient layout that opens toward the yard. A convenient half bath and laundry room on the main floor add practical convenience.

Upstairs are three generously sized bedrooms and a fully renovated full bath. Recent upgrades called out by the seller include a new roof and refreshed bathrooms; overall condition is clean and move-in ready. The unfinished walkout basement is the standout value proposition: it provides immediate storage and utility space plus an easy pathway to add finished living area, a home office, media room, or additional bedroom(s) to significantly increase resale value.

Outside, the property delivers privacy and scale — level usable yard space, mature trees, and peaceful creek views make this an ideal yard for pets, gardening, and weekend gatherings. There is no HOA, giving you freedom to customize the lot and structures subject to county rules. Parking is via a circular driveway with room for multiple vehicles.

Location is convenient to Harrisburg shopping and dining, major hospitals, and I‑485 for commuting into Charlotte. Systems include central air and electric heating; water is from a well and sewage is handled via an on-site septic system (buyer to verify). Whether you're seeking a family home with yard and expansion potential or an investor who can finish the basement for upside, 188 Mary Cir offers a balance of updates, land, and location.

Home Highlights

Large 0.82-acre private lot with creek frontageRemodeled kitchen with quartz counters and new cabinetryUnfinished walkout basement — strong value-add potentialNew roof and updated bathsNo HOA

Property Features

Interior Features

  • 3 bedrooms, 1.5 baths across two finished stories
  • Remodeled kitchen with quartz countertops and new cabinetry
  • Contemporary appliances including dishwasher
  • Laundry located on main level
  • Unfinished walkout basement for expansion

Exterior & Lot

  • 0.82-acre lot with creek views/edge of wooded area
  • New roof (seller provided)
  • Circular driveway with multiple parking spaces
  • Private yard suitable for gardens and outdoor entertaining
  • No HOA — flexible property use (subject to county rules)

Location & Neighborhood

  • Approx. 5–12 minutes to Harrisburg shopping and services
  • Quick access to I‑485 for Charlotte-area commutes
  • Located in Cabarrus County with suburban-rural character
  • Close to major medical centers and employment corridors

Walkability & Recreation

  • Walkability Rating: 35/100
  • Short drives to neighborhood parks and local greenways
  • Quiet streets and nearby creek for low-key outdoor recreation
  • Easy access to regional trails and recreational areas within 15–20 minutes

Neighborhood & Location

This home sits on the northern edge of Concord near the Harrisburg corridor — an area that blends larger suburban lots and newer subdivisions. The neighborhood character is quiet and residential, with mature trees and a mix of renovated older homes and newer infill. Residents value the proximity to Harrisburg shopping, easy access to I‑485, and a short commute into Charlotte while keeping a more rural yard experience.

Market Insights

Cabarrus County and northern Concord remain desirable to buyers looking for larger lots within a reasonable commute to Charlotte. Over the past 12 months the market has moderated from the hyper-competitive conditions of 2020–2022; median sale prices in the submarket are roughly in the mid-$300k range, and inventory has stabilized to a healthier level. Single-family homes that are updated and sit on larger lots continue to sell faster than average. For this property, the renovated kitchen and new roof reduce buyer objections, while the unfinished walkout basement provides tangible upside. Pricing at $389,900 positions the home competitively for owner-occupant buyers seeking land and privacy and for small-scale investors who can add finished square footage.

Nearby Schools

Harrisburg Elementary

Elementary · Approx. 3-6 miles

6-8/10

Harrisburg Middle

Middle · Approx. 3-6 miles

6-8/10

Harrisburg High

High · Approx. 4-8 miles

6-8/10

Walkability & Recreation

35
Walkability
60
Recreation

Good private outdoor space with creek views and yard for recreation; nearby parks and greenways available within a short drive.

Investment Highlights

  • Large private lot: 0.82 acres with creek frontage/views
  • Remodeled kitchen with quartz counters and new cabinetry
  • Unfinished walkout basement — significant expansion upside
  • No HOA — greater flexibility for owners
  • Recent roof replacement (seller disclosure)

Key Findings

  • 3 beds / 1.5 baths, ~1,910 SF finished living area (2-story)
  • List price: $389,900; Redfin AVM ~ $390k
  • Utilities: private well and septic — buyer to inspect
  • Located in Cabarrus County near Harrisburg and I‑485
  • Walkout unfinished basement and large lot provide added value upside

Things to Consider

  • Septic and well require inspection and may limit financing options for some buyers without certification
  • Single full bathroom upstairs (1.5 total) may be a deterrent for buyers seeking 2+ full baths
  • No attached garage — limits covered parking and may reduce appeal for buyers who prioritize garage space

Opportunity Analysis

Buyers can acquire an updated, move-in-ready single-family home with a rare larger lot and immediate upside by finishing the walkout basement or adding a full bath — creating meaningful value lift in a stable suburban submarket.

Potential Use Scenarios

  • Target owner-occupant buyers who value yard space and privacy; emphasize remodeled kitchen and new roof
  • For investors: estimate cost to finish basement and add a full bath; market as rental with 2,000+ SF finished after improvements
  • Perform pre-listing septic/well certification to remove buyer friction and expand financing options

Risk Factors

  • Septic/well issues could reduce buyer pool or require remediation costs
  • Market trends showing slower appreciation vs. prior years — pricing must reflect condition and comparables

Buyers should conduct independent due diligence before making any purchase decisions.

AI Valuation Estimate

Low

$365K

Midpoint

$388K

High

$410K

$204/SF estimated price per square foot

68% confidence

Estimate anchored to current list price ($389,900) with a +/- range reflecting recent local market activity and the upgrades described. No live comparable sales pulled — valuation uses property attributes, recent public sale history, and regional market knowledge.

As of 2026-03-12

This is a computer-generated estimate for informational purposes only and is not an appraisal or professional valuation.

Market & Area Data

Market Trends

Area Median Price$365,000
Avg Days on Market25 days
Inventory2.5 months
1-Year Appreciation+200.0%

Demographics

Population (1 mi)9,500
Median Income (1 mi)$82,000

Area has seen steady suburban growth as Charlotte expands northward; lot sizes vary from smaller infill to larger 0.5-1+ acre parcels.

Nearby Points of Interest

  • Interstate 485 (approx. 10-15 min)
  • Harrisburg retail corridor (5-10 min)

Property sits in a quieter northern Concord / Harrisburg edge market with easy access to regional retail, medical centers, and Charlotte's ring road; nearby recreational trails, neighborhood parks, and small-town conveniences are within a 10–20 minute drive.

School District

DistrictCabarrus County Schools
ElementaryHarrisburg Elementary (approx. 6-8/10)
MiddleHarrisburg Middle (approx. 6-8/10)
HighHarrisburg High (approx. 6-8/10)

Market data is based on aggregated public records and may not reflect real-time conditions.

Property Details

Building Details

Year Built1973
Constructionwood frame
Stories2
Roofnew roof (seller note)
HeatingElectric
CoolingCentral Air
Basementunfinished walkout
FireplaceNo
Conditiongood

Lot & Site

Lot Size0.82 acres (35,719 SF)
Topographylevel
Parkingdriveway
Parking Spaces6

Utilities

WaterWell
SewerSeptic Installed
ElectricOn-grid (utility not specified)
GasUnknown (likely none or LP; listed heating = Electric)

Zoning & Land Use

DescriptionResidential single-family (county zoning; likely rural/residential classification permitting single-family dwellings and accessory structures).
JurisdictionCabarrus County

Allowed Uses

Single family residentialAccessory structures (subject to county setback/permit rules)Home occupations (standard county limitations)
Current Useresidential

Tax & Sale History

Tax Assessment

Sale History

2024-07-16$275,000
1987-07-01$80,000
2026-03-06$389,900
2025-03-28$389,000
2025-02-17$399,000
2025-01-22$415,000

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