3640 Spencer Street

📍 3640 Spencer Street, Charlotte, NC 28205

📋 Property Overview

3640 Spencer Street is a home in North Charlotte, Charlotte, North Carolina with 3 bd and 2.5 ba. Interior space is 1349 sq ft. Rent is $2,475 a month. Features in the home include patio / balcony, stainless steel and in unit laundry. Shared amenities include garage, on-site laundry, coffee bar and parking. Leases run 12 months. Availability: Available now. The Walk Score here is 56, meaning some errands can be done on foot. Transit Score is 54. Rent is well above the area median of $1,450.

🚶 Getting Around

• Walk Score56/100

  Somewhat Walkable

• Transit Score54/100

  Good Transit

💵 Costs & Lease

Deposit

$2,475

Lease length

12 months

Units available

1 unit

Amounts are as published by the source and may change. Confirm before applying.

📐 Floor Plan Details

• 3BR/2BA3 bd · 2.5 ba · 1,349 sq ft$2,4751 unit available

🧾 Move-in Costs & Lease

Security deposit

$2,475

Lease length

12 months

Available

Available now

Application fee

$60 per applicant, paid to RivoRent

Property amounts are as published by the source and may change. Confirm before applying. The application fee is RivoRent's own and is the same on every listing.

🛡️ Renters Insurance — Estimated Cost

Based on what North Carolina renters actually paid: NAIC industry data for 2023 (average HO-4 premium, 625,767 policy-years), adjusted to July 2026 with the U.S. Bureau of Labor Statistics tenants' insurance index. It is a market average, not a price for this building and not a price for you.

Your own price depends most on your credit-based insurance score, your claims history and which carrier you choose. In published Ohio figures the same coverage ranges from $127 a year at excellent credit to $933 at poor credit. We do not ask for any of that, so we cannot narrow this for you.

✅ Who Qualifies

Must have 3x the rent in total household income (before taxes)

✨ Features & Details

• In unit laundry
• Patio / balcony
• New construction
• Garage
• Stainless steel
• Coffee bar
• On-site laundry
• Parking
• 1349 sq ft

📊 Property Facts

Walk Score

56 · Somewhat Walkable

Transit Score

54 · Good Transit

🎓 Nearby Schools

• Highland Mill Montessori · PK-67/10 · 0.6 mi
• Sugar Creek Charter · K-116/10 · 0.8 mi
• Highland Renaissance Academy · PK-53/10 · 0.8 mi
• Shamrock Gardens Elementary · PK-54/10 · 0.9 mi
• Martin Luther King Jr Middle · 6-86/10 · 1.5 mi
• Uproar Leadership Academy · 5-83/10 · 1.5 mi
• Kipp: Charlotte · 4-83/10 · 1.6 mi
• Hidden Valley Elementary · PK-54/10 · 1.6 mi
• Briarwood Elementary · PK-56/10 · 1.6 mi
• Hawthorne High · 6-126/10 · 1.7 mi

🏡 Floor Plans