$1,825,000
PENDING $70K PRICE DROP

Estimated payment $10,862/month

Total Views 2,876
5 Beds
3.5 Baths
4,063 Sq Ft
$449 Price per Sq Ft

Highlights

  • Boat Lift
  • Wooded Lot
  • Mud Room
  • Open Floorplan
  • Wood Flooring
  • Workshop

About This Home

Welcome to a truly exceptional retreat set on 1.65 acres of prime waterfront on Mountain Island Lake! This home blends craftsmanship with thoughtful design, enhanced by extensive upgrades throughout the entire property. The waterfront features a private dock with electricity and a boat lift, a newly installed seawall, and a firepit patio overlooking the lake. Professionally landscaped grounds showcase accent lighting, stonework, and upper and lower screened porches that connect indoor and outdoor living. Inside, the open-concept main level offers hardwood floors, natural light, and spacious living and dining areas. The primary suite is on the main level, and secondary bedrooms offer direct bath access. A finished lower level with wet bar provides a great space for entertaining. The home also includes a 3-car garage; 2 on the main level and 1 oversized on the lower level with a large workshop. A rare opportunity to enjoy lakeside living just minutes away from Charlotte's center city!

Listing Agent

Melissa Collins

Cottingham Chalk Brokerage Email: mbrannan@cottinghamchalk.com License #322862 Listed on: 07/09/2025

Cottingham Chalk

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $9,834

Year Built

  • Built in 2020

Lot Details

  • Back Yard Fenced
  • Irrigation
  • Wooded Lot
  • Property is zoned N1-C

HOA Fees

  • $117 Monthly HOA Fees

Parking

  • 3 Car Attached Garage
  • Basement Garage
  • Driveway

Home Design

  • Four Sided Brick Exterior Elevation

Interior Spaces

  • 2-Story Property
  • Open Floorplan
  • Wet Bar
  • Bar Fridge
  • Mud Room
  • Entrance Foyer
  • Living Room with Fireplace
  • Screened Porch
  • Finished Basement
  • Workshop
  • Laundry Room

Kitchen

  • Double Oven
  • Gas Range
  • Range Hood
  • Dishwasher
  • Kitchen Island
  • Disposal

Flooring

  • Wood
  • Vinyl

Bedrooms and Bathrooms

  • Walk-In Closet

Outdoor Features

  • Waterfront has a Concrete Retaining Wall
  • Boat Lift
  • Fireplace in Patio

Schools

  • Mountain Island Lake Academy Elementary And Middle School
  • Hopewell High School

Utilities

  • Forced Air Heating and Cooling System
  • Heat Pump System
  • Electric Water Heater

Community Details

  • Mt Isle Estates HOA
  • Built by Grainda
  • Mountain Island Lake Subdivision

Listing and Financial Details

  • Assessor Parcel Number 031-231-40

Home Details

Home Type

Single Family

Est. Annual Taxes

$9,834

Year Built

Built in 2020

Lot Details

0

HOA Fees

$117 per month

Parking

3

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Year Built: 2020
  • Special Assessment Yn: 0
  • Road Surface Type: Concrete, Paved
  • Unit Levels: Two
  • Ratio CurrentPrice/TotalPropertyHLA: 449.18
  • Geocode Confidence: High
  • Attribution Contact: mbrannan@cottinghamchalk.com
  • Special Features: VirtualTour

Interior Features

  • Foundation Details: Basement
  • Fireplace: Yes
  • Flooring: Vinyl, Wood
  • Interior Amenities: Drop Zone, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Storage, Walk-In Closet(s), Walk-In Pantry, Wet Bar
  • Lower Level Sq Ft: 0
  • Main Level Sq Ft: 2676
  • Third Level Sq Ft: 0
  • Sq Ft Unheated Basement: 568
  • Sq Ft Unheated Total: 568
  • Sq Ft Upper: 0
  • Appliances: Bar Fridge, Dishwasher, Disposal, Double Oven, Electric Water Heater, Exhaust Hood, Gas Range
  • Above Grade Finished Sq Ft: 2676
  • Has Basement: Basement Garage Door, Basement Shop, Finished
  • Basement YN: Yes
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 5
  • Below Grade Sq Ft: 1387
  • Fireplace Features: Gas, Gas Log, Living Room, Porch
  • Living Area: 4063
  • Bedroom Main: 3
  • Room Count: 10
  • Bedroom Basement: 2

Exterior Features

  • Exterior Features: Dock - Floating, In-Ground Irrigation
  • New Construction: No
  • Roof: Shingle
  • Construction Type: Site Built
  • Fencing: Back Yard
  • Water Body Name: Mountain Island Lake
  • Waterfront Features: Boat Lift, Dock, Retaining Wall
  • Construction Type: Brick Full
  • Patio And Porch Features: Covered, Rear Porch, Screened

Garage/Parking

  • Main Level Garage YN: 1
  • Sq Ft Garage: 701
  • Carport Y N: No
  • Garage Spaces: 3
  • Garage Yn: Yes
  • Open Parking: No
  • Parking Features: Driveway, Attached Garage

Utilities

  • Heating: Forced Air, Heat Pump
  • Sewer: Public Sewer
  • Laundry Features: Laundry Room, Main Level, Sink
  • Cooling: Central Air, Heat Pump
  • Water Source: City

Condo/Co-op/Association

  • Association Fee: 1400
  • Association Fee Frequency: Annually
  • Complex Name: Mt Isle Estates
  • Senior Community: No
  • Association Name: Mt Isle Estates HOA
  • Association Email: betsy@graindabuilders.com

Association/Amenities

  • Association Annual Expense: 1400.00

Schools

  • Middle Or Junior School: Mountain Island Lake Academy
  • HOA Subject To: Required

Lot Info

  • Lot Features: Wooded, Views, Waterfront
  • Lot Size Area: 1.65
  • Lot Size Units: Acres
  • Parcel Number: 031-231-40
  • Additional Parcels: No
  • Zoning Specification: N1-C

Building Info

  • Builder Name: Grainda

MLS Schools

  • Elementary School: Mountain Island Lake Academy
  • High School: Hopewell

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $9,834 $1,278,500 $240,000 $1,038,500
2023 $9,517 $1,278,500 $240,000 $1,038,500
2022 $8,552 $873,200 $180,000 $693,200
2021 $8,541 $873,200 $180,000 $693,200
2020 $1,737 $180,000 $180,000 $0
2019 $1,737 $180,000 $180,000 $0
2018 $2,361 $180,000 $180,000 $0
2017 $2,330 $180,000 $180,000 $0
2016 $2,330 $180,000 $180,000 $0
2015 $2,330 $180,000 $180,000 $0
2014 $2,312 $180,000 $180,000 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/18/2025 08/18/25 Pending -- -- --
08/15/2025 08/15/25 Price Changed $1,825,000 -3.7% $449 / Sq Ft
08/13/2025 08/13/25 For Sale $1,895,000 0.0% $466 / Sq Ft
07/25/2025 07/25/25 Pending -- -- --
07/09/2025 07/09/25 For Sale $1,895,000 +37.8% $466 / Sq Ft
01/05/2023 01/05/23 Sold $1,375,000 0.0% $340 / Sq Ft
11/19/2022 11/19/22 Pending -- -- --
11/16/2022 11/16/22 For Sale $1,375,000 +25.6% $340 / Sq Ft
10/30/2020 10/30/20 Sold $1,095,000 0.0% $276 / Sq Ft
08/12/2020 08/12/20 Pending -- -- --
08/10/2020 08/10/20 For Sale $1,095,000 0.0% $276 / Sq Ft
08/07/2020 08/07/20 Off Market $1,095,000 -- --
08/07/2020 08/07/20 For Sale $1,095,000 -- $276 / Sq Ft
Source: Canopy MLS (Canopy Realtor® Association)

Purchase History

Date Type Sale Price Title Company
Warranty Deed $1,375,000 --
Warranty Deed $1,095,000 None Available
Warranty Deed $160,000 None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $700,000 New Conventional
Previous Owner $1,095,000 VA
Previous Owner $573,006 Construction
Source: Public Records

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Source: Canopy MLS (Canopy Realtor® Association)

MLS Number: 4278904

Canopy MLS (Canopy Realtor® Association)

APN: 031-231-40