$174,900
Vaulted Ceilings, Wood-Burning Fireplace, and a Private Deck — in the Heart of University City..
9605G Vinca Circle a 2 bed, 2 bath condo with soaring ceilings, a wood-burning fireplace, and a tree-lined deck off the primary suite.
2
Bedrooms
2
Bathrooms
836
Sq Ft
Condo
TYPE
Your Showing Agent
Jasmine
Ai Listing Agent
Available 24/7
Call or Text to Book
704.659.5640
Let's take a REAL property tour
Overview
Space, light, and convenience that actually works.
Welcome to this super cute 2 bed, 2 bath 2nd floor rear condo in bustling University City. Walk in and the first thing you notice is how big it feels — vaulted ceilings and lots of natural sun light give it a very open, airy vibe. Being on the top floor, rear facing allows for an overall quieter unit – no upstairs neighbors, more natural light, and an insulated barrier from the parking lot traffic and noise. The wood-burning fireplace anchors the living space — an actual focal point, not an afterthought. A rare feature lacking in many properties today.
What makes this condo so unique is the cabinet extension, adding much appreciated countertop space and plenty additional storage. Beautifully extended so it allows room for a breakfast nook table to enjoy food with friends. A pass-through bar that keeps you connected to the living room keeps the spaces connected. It’s built for real use with high top stools adding to the seating options.
Stepping outside of the living room, the private deck offers a dual entry into the primary suite – your outdoor space without leaving the unit. The secondary bedroom, two full baths, recently renovated with new shower surrounds and vanities, large walk-in closet with ample shelving, and a dedicated laundry closet round off this unit off with everything you need, nothing wasted.
In the heart of University City area, UNC Charlotte, I-85, I-485, and 1 mile from the LYNX Blue Line – you have access to everything you need. Whether this is your home or your next investment — this is one of the strongest values in the University City corridor right now.
Bedrooms
2
Bathrooms
2
Interior
836 sqft
Year Built
1987
HOA
225/mo
Parking
2 parking passes, but not assigned spaces
Heating
Forced Air
Cooling
Central A/C
Flooring
Laminate
Inside Vinca - Interior Photos
Inside 9605G Vinca Circle
Two bedrooms, two full bathrooms and a layout that simply works.
The Story
University City — Connected, Quiet, and Minutes from Everything
9605G Vinca Circle sits in the established Colville Gardens community in University City — one of Charlotte’s most connected corridors. UNC Charlotte is less than 2 miles away. University City Blvd puts you in reach of shopping, dining, and services in under 5 minutes. I-85, I-485 access means Uptown Charlotte, the airport, and Concord Mills are all inside a 20-minute drive.
It’s a neighborhood that gives you residential quiet without sacrificing access.
FINANCING OPTIONS
Based on a purchase price of $174,900 · Rates pulled May 15, 2026
| LOAN TYPE | DOWN PAYMENT | LOAN AMOUNT | RATE | EST. MONTHLY P&I |
|---|---|---|---|---|
| FHA Loan3.5% DOWN · PRIMARY | $6,122 | $168,779 | 6.13% | $1,026/mo+$70/mo MIP ≈ $1,096 total |
| Conventional5% DOWN · PRIMARY | $8,745 | $166,155 | 6.46% | $1,046/moPMI applies until 20% equity |
| Investment Loan20% DOWN · NON-OWNER | $34,980 | $139,920 | 7.21% | $951/moNo PMI |
| Investment Loan25% DOWN · NON-OWNER | $43,725 | $131,175 | 7.21% | $891/moNo PMI |
Rate estimates are for illustrative purposes only and do not constitute a loan commitment or guarantee of rates. Actual rates, payments, and loan terms will vary based on creditworthiness, lender requirements, and market conditions. Rates shown are approximate as of May 15, 2026. All figures based on a purchase price of $174,900. Buyers should consult a licensed mortgage professional before making any financial decisions. HALAH KABLAN LADSON, BROKER-IN-CHARGE · NC LICENSE NO. 272964 · 704.941.4557 · HALAH@QCMSCHARLOTTE.COM
Location
University City, Charlotte
9605 G Vinca Circle, Charlotte, NC 28213
Nearby
Frequently Asked Questions
9605G Vinca Circle Questions Answered
Is 9605G Vinca Circle a good investment property, or is it better suited as a primary residence?
9605G Vinca Circle works for both. As a primary residence, it offers below-market University City pricing, walkable UNCC access, and Lynx Blue Line connectivity to Uptown. As an investment property, its location within 2 miles of UNC Charlotte — where 2,000+ students are turned away from campus housing annually — supports strong rental demand. QCMS can provide a rental income projection for this specific unit upon request.
What are the HOA fees at 9605G Vinca Circle and what do they cover?
The HOA fee at 9605G Vinca Circle is $225 per month. It covers exterior building maintenance, roof, common area landscaping, trash, and hazard insurance for the building envelope. Internet service is included through Spectrum Community Solutions. Water is billed separately and is not included in the HOA fee. The complete HOA packet — including budget, reserve study, bylaws, and rules — is requested as part of the standard offering and reviewed during due diligence before closing.
What makes QCMS different from other Charlotte real estate agents when it comes to technology?
QCMS is one of the only Charlotte brokerages with dedicated AI agents across every line of business — and Jasmine leads that stack on the listing side. As the AI listing agent for 9605G Vinca Circle, Jasmine is available 24/7 at 704.659.5640 to book showings, answer detailed property questions, provide virtual tours, and guide buyers through the offer process. Harper handles property management and owner inquiries after hours. María serves Spanish-speaking clients. Parker supports UNCC Rooms leasing. While most brokerages still run on voicemail and 9-to-5 office hours, QCMS operates around the clock — because buyers, sellers, and investors don’t make decisions on a business schedule.
