Charlotte · Charlotte, NC
10219 Windtree Lane
Charlotte, NC · 3,131 sqft
$659,000
Reduced from $729,000
- 3Beds
- 2.5Baths
- 3,131SqFt
- 1996Year
- 163Days on market
About this home
WATERFRONT. DOCK. ALMOST AN ACRE. AND THE WORK IS ALREADY DONE. This 3BR/2.5BA home with over 3,100 sq ft sits on a .84-acre waterfront lot with a brand-new dock and the kind of view buyers wait for—but rarely find ready to go. Inside, you get space where it matters: a huge bonus room over the 3-car side-load garage, flexible living areas, and a bright back sunroom built for morning coffee overlooking the water. Step out onto the new Trex deck and you’ll understand exactly what makes this property different. Need room for hobbies, storage, or projects? In addition to the 3-car garage, there’s a 10x17 workshop and a storage shed—hard-to-find extras that actually add real value.
Now the part most homes don’t have: the heavy lifting is DONE. Septic inspected, pumped, and brought to current code. HVAC inspected with heater replaced. Well water tested. Third-party inspection completed after repairs to verify completed work and provide added peace of mind. Plus, a whole-house Generac generator already in place.
This isn’t a “figure it out later” property—this is a move-in ready waterfront home where the big-ticket items are already handled. If you’ve been waiting for the right waterfront opportunity, this is it. Seller offering $5000 credit to buy down loan or help with closing costs and a home warranty by America's Peferred Home Warranty
Property details
- Beds
- 3
- Baths
- 2.5
- SqFt
- 3,131
- Lot
- —
- Year built
- 1996
- Type
- Single Family
- Days on market
- 163
- Garage
- 3
- Style
- Traditional
- Heating
- Forced Air, Natural Gas
- Cooling
- Ceiling Fan(s), Central Air
- Foundation
- Crawl Space
- Flooring
- Carpet, Laminate, Tile
- View
- Water
- HOA dues
- $125 / yr
Features
- Attic Stairs Pulldown
- Garden Tub
- Open Floorplan
- Pantry
- Walk-In Closet(s)
- Fire Pit
- Dock - Floating
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance, HOA
$4,860/ month
- Principal & interest
- $4,081
- Property tax (~1.05%)
- $576
- Homeowners insurance
- $192
- HOA dues
- $10
Down payment
$32,950 down · $626,050 financed
Income to qualify (28% rule)
~$208,313 / year household
A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.
Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.


