Monroe Homes under $400,000

Welcome to Monroe, North Carolina, a charming city nestled in the heart of Union County. With its rich history, vibrant community spirit, and convenient location just 30 miles from the bustling city of Charlotte, Monroe offers the perfect blend of suburban tranquility and urban accessibility.

Monroe is known for its warm Southern hospitality, picturesque parks, and a thriving local economy. Residents enjoy a variety of recreational activities, from exploring the scenic trails at the nearby Lake Twitty to indulging in the local culinary scene, which boasts everything from cozy diners to upscale eateries. The city also hosts numerous events throughout the year, including the popular Union County Agricultural and Horticultural Fair, which brings the community together in celebration of local culture and heritage.

For those seeking a place to call home, Monroe presents an enticing real estate market with an array of charming homes priced under $400,000. Whether you’re a first-time homebuyer, a growing family, or someone looking to downsize, you'll find a diverse selection of properties that cater to various lifestyles and preferences. From cozy single-family homes with spacious yards to modern townhouses in friendly neighborhoods, Monroe has something for everyone.

With its affordable housing options, excellent schools, and a strong sense of community, Monroe is not just a place to live—it's a place to thrive. Come explore the possibilities and discover why so many are choosing to make Monroe their home sweet home!

Newest Monroe Homes under $400,000

$349,900

4 Beds ⋅ 3 Baths ⋅ 4433085 MLS ⋅ ACTIVE Status

Front-porch charm, flexible living space and move-in-ready convenience in established Scotch Meadows! Offering 2,201 square feet, this spacious 4-bedroom home welcomes you with a covered front porch, attractive stone accents and inviting curb appeal. Inside, the main level features a separate Study and Dining Room, an open Kitchen with granite countertops, tile backsplash and stainless-steel appliances, and a spacious Great Room. Upstairs, the Primary Suite includes a private bath with dual vanity, walk-in closet and sitting area. Three additional bedrooms, a full bath and conveniently located laundry provide plenty of room for everyday living. Refrigerator, washer, dryer and window blinds convey! Seller is offering up to $700 in seller-paid closing costs (SPCC) toward a home warranty for added peace of mind. Enjoy the rear patio, attached 2-car garage and the appeal of a fully built-out neighborhood without ongoing construction. Convenient to Monroe's historic downtown, shopping, dining and entertainment.

743 Scotch Meadows Loop, Monroe

Listing courtesy of TLS Realty LLC. kwilson@tlsrealtyllc.com

$335,000

3 Beds ⋅ 2 Baths ⋅ 4432675 MLS ⋅ ACTIVE Status

708 Winding Way Dr is a one-story Monroe home with 1,354 square feet, three bedrooms and two bathrooms. The kitchen has a range, microwave and dishwasher, with a separate dining area beside it. Sliding glass doors extend the dining area to a rear deck overlooking the lawn. In the living room, a fireplace anchors the window-facing space, while the bedroom area sits along the adjoining hall. The primary bedroom is separated from the two secondary bedrooms and has an attached bathroom. A laundry closet, covered front porch and separate carport round out the home. Included 100-Day Home Warranty with buyer activation

708 Winding Way Drive, Monroe

Listing courtesy of Opendoor Brokerage LLC. tshoupe@opendoor.com

$315,000

3 Beds ⋅ 2 Baths ⋅ 4432461 MLS ⋅ ACTIVE Status

Welcome to 2530 Arnold Dr, a charming 3-bedroom, 1.5-bath home nestled in a peaceful area of Monroe, NC! Freshly painted and featuring brand-new LVP flooring throughout, this home offers a clean, refreshed feel and a flowing floor plan with plenty of space for comfortable living and entertaining. The kitchen provides a functional space for preparing meals with convenient flow into the main living areas. A cozy fireplace adds warmth and character to the living space. Outside, enjoy a spacious front yard, large fenced backyard, and sunporch - perfect for relaxing, play, or outdoor gatherings. A backyard shed provides additional storage, while the long driveway and carport offer ample parking. Conveniently located in Monroe, this home combines comfort, functionality, and value in a desirable setting. Come see all that 2530 Arnold Dr has to offer!

2530 Arnold Drive, Monroe

Listing courtesy of Showcase Realty LLC. nancy@showcaserealty.net

$345,000

3 Beds ⋅ 2 Baths ⋅ 4432374 MLS ⋅ COMING SOON Status

Welcome to 1433 Winthrop Lane! This inviting home offers 3 spacious bedrooms, 2 full bathrooms, and a comfortable layout designed for both everyday living and entertaining. Step inside to a bright and spacious living room featuring a cozy fireplace, creating the perfect setting to relax and unwind. The kitchen is beautifully appointed with stainless steel appliances, marble countertops, and plenty of natural light flowing in through the sliding glass doors. Just beyond the kitchen, the sliding doors open to a spacious backyard full of possibilities. A concrete patio provides a level area perfect for outdoor furniture, grilling, and gatherings, while the expansive yard offers plenty of room to create your own private outdoor retreat. Each bedroom offers generous space, and natural light from the windows. The primary bedroom stands out with elegant ceiling details that add a touch of luxury, while the private bathroom features a dual-sink vanity for added comfort and convenience. The dining area provides a welcoming space to enjoy meals and gather with family and friends. With its spacious interior, inviting fireplace, updated finishes, and backyard ready to be personalized, 1433 Winthrop Lane is ready to welcome its next owner.

1433 Winthrop Lane, Monroe

Listing courtesy of Paola Alban Realtors. 704-890-2067

$300,000

3 Beds ⋅ 2 Baths ⋅ 4427263 MLS ⋅ ACTIVE Status

Welcome to this charming ranch style home in the sought after Indian Trail area! Offering privacy, comfort, and convenience, this property features a fully fenced yard, a detached storage unit, and a spacious two car garage plus no homeowners’ association dues. Inside, the inviting great room showcases a cozy gas fireplace and vaulted ceilings, creating an open and airy feel that makes the home perfect for relaxing or entertaining. The single level ranch layout offers easy living with a comfortable flow throughout the home. Enjoy the privacy of your fully fenced outdoor space, with plenty of room for pets, play, gardening, or simply relaxing. The additional storage unit provides valuable space for tools, equipment, and seasonal items. Conveniently located in the desirable Indian Trail area, this home combines the appeal of a peaceful residential setting with easy access to shopping, dining, schools, parks, and major roadways. With its private yard, generous storage, two-car garage, vaulted great room, and no HOA dues, this home is a fantastic opportunity to make your own!

2007 Stepping Stone Lane, Monroe

Listing courtesy of Howard Hanna Allen Tate Charlotte South. brian.richards@allentate.com

$379,000

3 Beds ⋅ 2 Baths ⋅ 4431854 MLS ⋅ ACTIVE Status

Everything you'd want to update has already been done! This fully refreshed home is move-in ready from top to bottom and just minutes from historic downtown Monroe. The updated kitchen shows off brand new quartz countertops and a full suite of new appliances, making it a space you'll love to cook and gather in. Brand new LVP flooring runs throughout the entire home, and fresh paint gives every room a clean, modern feel. Both bathrooms have been completely renovated with today's finishes. New front and side doors add curb appeal and peace of mind, while a new 50 gallon water heater takes care of the behind-the-scenes upgrades. Thoughtful details continue with all new fixtures, including ceiling fans, recessed lighting, chandeliers, and bathroom exhaust fans. When it's time to get out, downtown Monroe has local coffee shops, craft breweries, wine bars, restaurants, and boutique shopping, plus a weekly farmers market, seasonal festivals, and community events all year long. Bring your furniture and settle right in. Schedule your showing today!

605 Roberts Street, Monroe

Listing courtesy of Keller Williams South Park. shamimamiri@kw.com

$379,000

4 Beds ⋅ 3 Baths ⋅ 4431881 MLS ⋅ ACTIVE Status

Beautiful new construction 4-bedroom, 3-bath ranch offering 1,660 sq ft of thoughtfully designed single-level living on a .46-acre lot with NO HOA! Conveniently located just minutes from Atrium Health Union and surrounding medical facilities, less than 10 minutes from Wingate University, and close to shopping, grocery stores, dining, Monroe Country Club and Lake Lee. Designed with easy living in mind, this premier floor plan features minimal entry height, an open and spacious living area, a well-appointed kitchen with a perfectly sized island and dedicated pantry, plus a thoughtful bedroom layout that provides privacy for the primary suite while keeping the secondary bedrooms and baths conveniently located. The kitchen includes all appliances, upgraded countertops, soft-close cabinetry and upgraded hardware. Additional features include premium exterior doors and windows, premium waterproof laminate flooring throughout the main living areas and bathrooms, ceiling fans in every bedroom, and Bluetooth speaker/exhaust fans in the full bathrooms. A 1-year builder warranty is included for added peace of mind. This home offers an impressive combination of quality, functionality, location and value that truly needs to be seen to be appreciated. Photos shown are from a previously completed home featuring the same planned materials and finishes. Front elevation image is an artistic rendering of the anticipated completed home and may vary slightly from the finished product. Home is currently under construction—drive by anytime to see the progress!

1725 White Store Road, Monroe

Listing courtesy of Blue Collar Realty LLC. ecstorey@gmail.com

$249,900

3 Beds ⋅ 3 Baths ⋅ 4431406 MLS ⋅ ACTIVE Status

Enjoy low-maintenance living in The Ridge, Monroe's newest townhome community. The Surrey floorplan offers thoughtfully designed living space with an open-concept layout that brings together the great room, dining area and designer kitchen—creating an inviting space for everyday living and entertaining. The kitchen showcases Palisades Gold quartz countertops, upgraded cabinetry, designer tile backsplash, gold faucet and stainless steel appliances. Upstairs, retreat to the spacious primary suite featuring a walk-in closet and well-appointed bath, while additional bedrooms, a full bath and convenient second-floor laundry complete the home. Built with energy-efficient construction and durable fiber cement siding, this home also offers an attached garage and rear patio for outdoor enjoyment. Residents enjoy a community pool, cabana, pickleball courts, playground, dog park, sidewalks and street lights, all conveniently located near shopping, dining and everyday conveniences.

324 Whitefish Way Unit #124, Monroe

Listing courtesy of TLS Realty LLC. kwilson@tlsrealtyllc.com

$259,900

3 Beds ⋅ 3 Baths ⋅ 4431405 MLS ⋅ ACTIVE Status

Enjoy low-maintenance living in The Ridge, Monroe's newest townhome community. The Rosemoore floorplan offers 1,562 heated square feet with 3 bedrooms and 2.5 baths, featuring an open-concept layout that brings together the spacious great room, dining area and designer kitchen—creating an inviting space for everyday living and entertaining. The kitchen showcases quartz countertops, a large center island, tile backsplash, stainless steel appliances and abundant cabinetry. Upstairs, retreat to the spacious primary suite featuring a walk-in closet and well-appointed bath, while two additional bedrooms, a full bath and convenient second-floor laundry complete the home. Built with energy-efficient construction and durable fiber cement siding, this home also offers an attached garage and rear patio for outdoor enjoyment. Residents enjoy a community pool, cabana, pickleball courts, playground, dog park, sidewalks and street lights, all conveniently located near shopping, dining and everyday conveniences.

320 Whitefish Way Unit #122, Monroe

Listing courtesy of TLS Realty LLC. kwilson@tlsrealtyllc.com

$349,900

3 Beds ⋅ 3 Baths ⋅ 4431404 MLS ⋅ ACTIVE Status

Move-in ready new construction in The Ridge Townhomes in Monroe! The Advent by True Homes offers 2,174 sq. ft., 3 bedrooms, 2.5 baths, a 2-car garage and spacious upstairs game room. The open-concept main level brings together the kitchen, dining room and great room, plus a dedicated Tech Center ideal for a home office or study space. The kitchen features quartz countertops, upgraded cabinetry and tile backsplash, and stainless steel appliances. Upstairs, the private primary suite includes a walk-in closet and primary bath, along with two additional bedrooms, a full bath, laundry and large game room. Enjoy additional storage and a 160-sq.-ft. rear patio. Residents enjoy a community pool, cabana, pickleball courts, playground, dog park, sidewalks and street lights, all conveniently located near shopping, dining and everyday conveniences. Completed and ready for its new owner—schedule a tour today!

305 Northern Star Drive Unit #4, Monroe

Listing courtesy of TLS Realty LLC. kwilson@tlsrealtyllc.com

$308,000

3 Beds ⋅ 2 Baths ⋅ 4430659 MLS ⋅ ACTIVE Status

Welcome home to this charming property nestled in a peaceful cul-de-sac, offering both comfort and convenience. Ideally located near schools, shopping, dining, entertainment, and everyday amenities, this home provides an excellent combination of location and lifestyle. Step outside and enjoy the expansive, level backyard, featuring a large deck that’s perfect for entertaining, family gatherings, celebrations, or simply relaxing outdoors. A spacious storage shed provides additional room for tools, equipment, and outdoor essentials. The home also features several important updates, including a 2-year-old HVAC system, new windows, and a new patio door, providing added comfort and peace of mind. Whether you're looking for your first home or an opportunity to expand your investment portfolio, this property offers plenty of potential. Come see all that this home and its convenient location have to offer!

2505 Justin Court, Monroe

Listing courtesy of ERA Live Moore. NONE

$319,900

3 Beds ⋅ 2 Baths ⋅ 4429983 MLS ⋅ ACTIVE Status

Welcome home to this charming three-bedroom, two-bath ranch featuring a welcoming brick-front exterior, vinyl siding, and a two-car garage. Inside, you’ll find beautiful LVP flooring and a freshly painted interior that creates a clean, bright, move-in-ready feel. The home offers a comfortable layout with plenty of space for everyday living and entertaining. Step outside to enjoy the rear porch overlooking the fenced-in backyard, providing a great space for relaxing and/or entertaining With its inviting curb appeal, convenient one-level living, two-car garage, fenced yard, and fresh updates, this home is ready for its next owners. Come see all it has to offer!

2425 River Chase Drive, Monroe

Listing courtesy of Emerald Pointe Realty. bbenton@emeraldpointerealty.com

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