Oakdale Homes under $400,000

Welcome to Oakdale, NC – a charming neighborhood that perfectly balances suburban tranquility with urban convenience. Nestled just north of Charlotte, Oakdale offers a warm and welcoming community atmosphere, making it an ideal place for families, young professionals, and retirees alike. With its tree-lined streets, friendly neighbors, and a variety of local amenities, Oakdale is a hidden gem that promises a high quality of life.

One of the standout features of Oakdale is its diverse selection of homes, particularly for those seeking properties under $400,000. Whether you’re looking for a cozy single-family home, a modern townhome, or a spacious duplex, Oakdale has something to suit every taste and budget. Many of these homes boast inviting layouts, updated features, and beautiful outdoor spaces, perfect for entertaining or enjoying peaceful evenings under the stars.

The neighborhood is also conveniently located near a variety of shopping, dining, and recreational options. Residents can enjoy easy access to local parks, walking trails, and community centers, making it easy to stay active and connected. Additionally, the proximity to major highways and public transportation allows for a quick commute to Charlotte, providing the best of both worlds – a serene suburban lifestyle with the excitement of city life just moments away.

In Oakdale, you’ll find not just a home, but a community that embraces the spirit of togetherness. With affordable housing options and a vibrant neighborhood atmosphere, this is where your dream home awaits! Come explore Oakdale and discover the perfect place to call home.

Newest Oakdale Homes under $400,000

$229,000

2 Beds ⋅ 1 Baths ⋅ 4420178 MLS ⋅ ACTIVE Status

Opportunity awaits with this property situated on nearly half an acre with no HOA! Whether you’re an investor looking for your next renovation project or a first-time buyer ready to add your own personal touches, this home offers plenty of potential. Original hardwood floors and a fireplace provide a great foundation for bringing out the home’s character, while the level lot, long concrete driveway, and new side deck add to the property’s appeal. With room to update, customize, and make it your own, the possibilities are endless. Conveniently located less than 15 minutes from Uptown Charlotte, close to Mountain Island Lake, and less than 10 miles from Charlotte Douglas International Airport, this is a great opportunity in a highly accessible location.

1127 Thompson Avenue, Charlotte

Listing courtesy of Berkshire Hathaway HomeServices Carolinas Realty. crystalcoxrealtor@gmail.com

$255,000

3 Beds ⋅ 1 Baths ⋅ 4416578 MLS ⋅ ACTIVE Status

Cute and charming 3-bedroom brick ranch in Charlotte offering an affordable opportunity to own a home in a convenient location. This smaller home is easy to maintain while still offering a comfortable floorplan and plenty of potential. Enjoy relaxing or entertaining on the back deck overlooking the yard. With its all-brick exterior, inviting character, and great price, this home is a wonderful opportunity for a first-time buyer, downsizer, or investor. Come see the possibilities and make this charming Charlotte home your own!

1006 Peachtree Road, Charlotte

Listing courtesy of Mark Spain Real Estate. lisabelk@markspain.com

$399,000

4 Beds ⋅ 3 Baths ⋅ 4401180 MLS ⋅ ACTIVE UNDER CONTRACT Status

Qualifies for 100% Financing! Welcome to this beautifully crafted new construction home in the desirable Oakdale community, where thoughtful design, modern finishes, and exceptional functionality come together. Offering 4 bedrooms, 2.5 bathrooms, and a spacious two-car garage, this home has been thoughtfully designed for both easy living and effortless entertaining. A dramatic two-story foyer creates an impressive first impression and leads into the light-filled, open-concept living spaces. At the heart of the home is the showstopping kitchen, anchored by a stunning waterfall island topped with black onyx granite. White shaker cabinetry with soft-close doors and drawers, stainless steel appliances, abundant prep space, and a large walk-in pantry combine beauty with practicality. Just inside from the garage, a thoughtfully designed drop zone with custom built-ins provides the perfect place to keep everyday essentials neatly organized. The kitchen flows seamlessly into the spacious dining area and inviting great room, creating an ideal setting for gatherings both large and small. Durable luxury vinyl plank flooring extends throughout the home, offering a stylish, low-maintenance design with no carpet. A convenient powder room completes the main level. Upstairs, the private primary suite offers a peaceful retreat featuring a spacious walk-in closet and a well-appointed en-suite bath. Three additional bedrooms provide flexibility for family, guests, a home office, or fitness space. The thoughtfully designed laundry room is also located upstairs and features a convenient pass-through directly into the primary closet, making laundry day just a little easier. Step outside to enjoy the rear concrete patio overlooking the fully fenced backyard, offering plenty of room for entertaining, gardening, pets, or simply relaxing outdoors. Ideally located near Charlotte Douglas International Airport, I-485, and I-77, this home provides easy access to Uptown Charlotte, shopping, dining, and recreation. Whether you're a first-time homebuyer, looking for additional space, or searching for a quality investment, this home offers the perfect combination of craftsmanship, style, and convenience.

1735 Byrum Street, Charlotte

Listing courtesy of Coldwell Banker Realty. cindyeferguson@gmail.com

$395,000

3 Beds ⋅ 2 Baths ⋅ 4411321 MLS ⋅ ACTIVE UNDER CONTRACT Status

Classic mid-century charm meets modern living in this beautifully renovated 3-bedroom, 2-bath Charlotte home offering 1,807 square feet of thoughtfully updated, flexible space. An open floor plan flows across gorgeous site-finished hardwoods, with two versatile bonus rooms ready to serve as a home office, den, playroom, or extra sleeping area to fit your lifestyle. The new kitchen shines with quartz counters, new cabinets, and new appliances, while both bathrooms are fully updated with double quartz vanities, new lighting, and new tile floors with tile tub and shower surrounds. A large laundry room, convenient drop zone, and one-car garage round out the everyday-living essentials. Recent improvements deliver true peace of mind: a new roof, modern lighting throughout, HVAC approximately five years old, and nearly all-new electrical and plumbing. Outside, a large fenced yard and double concrete driveway provide plenty of room for extra cars, RVs, or work vehicles, all on a quiet street with no HOA rules or fees. Ideally located minutes from Uptown Charlotte with fast access to I-485, I-85, the airport, and major commuting routes, this fully renovated, move-in-ready home blends timeless vintage character with modern upgrades, generous space, and rare flexibility you'll love coming home to.

1041 Watts Drive, Charlotte

Listing courtesy of EXP Realty LLC Ballantyne. 704-402-4503

$205,000

3 Beds ⋅ 1 Baths ⋅ 4408158 MLS ⋅ ACTIVE Status

Do not miss the opportunity to take a look at this 1930s era classic brick cottage style home located just a few blocks from growing downtown Albemarle. This house features 3 bedrooms and 1 bath, it has the original hardwood floors in the bedrooms, dining room, living room and hallway. The living room also has beautiful fireplace to gather around and spend time with loved ones and friends. The kitchen and bath contain tile floors and off of the back of the residence is a large deck overlooking a spacious shady backyard, perfect for grilling out on fall afternoons. The seller is generously agreeing to leave the stainless steel refrigerator and matching washer and dryer. The seller is also willing to contribute a $5000 seller credit to the buyer at the Settlement.

449 Spring Street, Albemarle

Listing courtesy of Larry McGuire Realty. GregSpeightRealtor@gmail.com

$315,000

3 Beds ⋅ 2 Baths ⋅ 4403561 MLS ⋅ ACTIVE Status

Welcome home to this beautifully designed ranch situated on nearly a quarter-acre lot! Minutes from downtown Concord & Speedway. Offering 3 bedrooms, 2 bathrooms, front and back porch, and a 1-car garage, this home combines comfort, style, and functionality. Spacious ranch home with open floorplan, a vaulted living room ceiling & spacious primary suite offering with trey ceiling and generous closet, & dual vanity. Gourmet kitchen, with farm styled kitchen sink, and sleek black Delta plumbing fixtures includes walk-in pantry, and dedicated laundry room. Quality finishes throughout include luxury vinyl plank flooring. Don't miss this opportunity to own this beauty.

684 Union Cemetery Sw Road, Concord

Listing courtesy of Patton Real Estate Professionals LLC. 704-840-6983

$379,000

3 Beds ⋅ 1 Baths ⋅ 4401074 MLS ⋅ ACTIVE Status

Picture this: you pull into the driveway after a long week, and instead of another apartment wall, you're looking at your own fully fenced backyard — space that's genuinely yours to fill with a garden bed, a hammock, a fire pit, or just room to breathe. That's the moment this home is built for. This 3-bedroom, 1-bathroom home is turn-key, so there's no waiting and no weekend projects standing between you and moving in. You get the keys, and you get to actually live there — a home that works from day one, not a project that works you. The layout is straightforward and comfortable, giving you a real foundation to build a life on without feeling like your settling. Dine and entertain in the incredible backyard! It's rare to find this much usable outdoor space this close to the city — room for pets, kids, cookouts, or just a quiet place to unwind that's entirely your own. It's the kind of yard that grows with you, whether that means a garden next spring or a swing set down the road. The location does a lot of the heavy lifting too. You're less than 20 minutes from Uptown Charlotte, keeping your job, favorite restaurants, and city life within easy reach — without the price tag of living right in it. Head the other way and you're close to Belmont's small-town streets, the rapids and trails at the U.S. National Whitewater Center, and the open water of Mountain Island Lake for boating and lake days. It's a rare pocket of Charlotte where city access, small-town charm, and outdoor adventure all sit within a short drive. This is a hidden gem oasis for anyone ready to stop renting and start building something of their own — on a lot that's hard to beat. Come see what it feels like to call it yours.

6409 Woodland Circle, Charlotte

Listing courtesy of Savvy + Co Real Estate. justin@savvyandcompany.com

$325,000

3 Beds ⋅ 2 Baths ⋅ 4387743 MLS ⋅ ACTIVE Status

In-Town Luxury Remodel with Fireplace, Bonus Room, & Massive Basement! Step into this jaw-dropping, fully remodeled 3-bedroom, 2-bathroom in-town Albemarle masterpiece. Blending timeless character with high-end modern design, this 1,900-square-foot home offers an unparalleled turnkey lifestyle with absolutely zero details spared. The inviting living room welcomes you with a cozy, beautifully detailed fireplace, serving as the perfect focal point for gatherings. Flow seamlessly into the stunning chef’s kitchen anchored by a spacious kitchen island, premium quartz countertops, and a custom shiplap ceiling that adds immediate architectural warmth. Gleaming, freshly refinished original hardwoods guide you through the bright, airy floor plan, which includes a dedicated extra office/bonus room—ideal for remote work, a hobby space, or a playroom. Escape to the expansive primary suite, showcasing a rare, massive walk-in primary closet designed to easily handle any wardrobe. Rest easy knowing the big-ticket items are fully taken care of. This home boasts a brand-new, high-efficiency HVAC system, brand-new energy-efficient windows filtering beautiful natural light, and brand-new gutters for total exterior peace of mind. The Ultimate Bonus Feature: Below the main floor sits a massive 1,700-square-foot heated, unfinished basement! Equipped with climate control, this expansive footprint offers limitless possibilities—create the ultimate workshop, a massive home gym, endless secure storage, or finish it out later for instant equity. Located right in the heart of town, you are just minutes away from downtown Albemarle’s thriving shops, dining, and parks. Schedule your tour today before this unique gem is gone!

616 E Oakwood Avenue, Albemarle

Listing courtesy of Century 21 Russ Hollins, Realtors. latoncindy@gmail.com

$315,000

4 Beds ⋅ 2 Baths ⋅ 4387165 MLS ⋅ ACTIVE Status

Beautifully updated 4-bedroom, 2 full bathrooms, home conveniently located near downtown Albemarle! This move-in ready property features updated bathrooms, a renovated kitchen with elegant marble countertops, fresh interior paint, new siding, and a brand-new roof for peace of mind. Spacious layout offers comfortable living with plenty of room for family, guests, or a home office. Enjoy being just minutes from shopping, dining, and local restaurants while still having the comfort of a quiet neighborhood setting.

208 N 5th Street, Albemarle

Listing courtesy of NorthGroup Real Estate LLC. sandraoncrealtor@gmail.com

$349,000

3 Beds ⋅ 3 Baths ⋅ 4375078 MLS ⋅ ACTIVE Status

Let’s get straight to it. You want space. You want character. And you don’t want cookie-cutter. This home delivers all three. With 2,462 square feet, 3 bedrooms, and 2.5 bathrooms, you’re getting the kind of layout that actually works—room to spread out, entertain, and live comfortably. Homes from this era weren’t built with shortcuts. They were built to last. And when you pair that with the lot size—0.25 acres—you get breathing room both inside and out. This is the kind of property buyers wait for… and regret missing. Brick home with established landscaping. Handicap Accessible Bathroom and Front Chair Lift. Kitchen features granite and tile backsplash. Irrigation System with great water feature. Part of the basement is heated and cooled and provides a great flex space for recreation and creativity.

729 Montgomery Avenue, Albemarle

Listing courtesy of Larry McGuire Realty. larry@larrymcguire.com

$225,000

3 Beds ⋅ 1 Baths ⋅ 4365910 MLS ⋅ ACTIVE Status

Back on Market, no fault to seller. The seller is generously offering $5,000 towards the buyer's closing costs with an acceptable offer! This charming 1930s full brick cottage offers the perfect balance of historic character and modern convenience. Located just a short distance from the heart of downtown Albemarle, the home features beautiful architectural details like classic brick arches that lead onto a spacious covered front porch. The inviting dining room includes elegant French door that open directly onto this porch, making it an ideal space for entertaining or enjoying a morning coffee. Inside, the living room serves as a centerpiece with its cozy fireplace and beautiful arched built-in bookshelves that reflect the home’s original craftsmanship. Throughout the main areas, original hardwood floors maintain the authentic feel of the era while flowing into the updated living spaces. The interior has been thoughtfully improved with a brand-new kitchen and a fully renovated bathroom, providing contemporary comfort in a vintage setting. With three comfortable bedrooms and a full basement for extra storage or workshop space, this property is a move-in-ready opportunity to own a classic masonry home in a prime location.

235 N 6th Street, Albemarle

Listing courtesy of Howard Hanna Allen Tate Albemarle. johnt.williams@allentate.com

Start Your Search

“ Based on information submitted to the MLS GRID as of . 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. Some IDX listings have been excluded from this website. Properties may or may not be listed by the office/agent presenting the information © 2026 Canopy MLS as distributed by MLS GRID”

Last Updated: