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John KurtzCharlotte · NC

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Charlotte · Charlotte, NC

11416 Foggy Bank Lane

Charlotte, NC · 3,524 sqft

$649,000

Reduced from $765,000

  • 5Beds
  • 3Baths
  • 3,524SqFt
  • 2001Year
  • 88x476x90x460Lot
  • 172Days on market

About this home

Live the ultimate Mountain Island Lake lifestyle in this beautiful 3,524-square-foot home tucked away on nearly an acre in a quiet cul-de-sac setting! Designed for both everyday living and entertaining, this spacious home offers 5 bedrooms plus a large bonus room (optional 6th bedroom), including a full guest bedroom and full bathroom on the main level—ideal for visitors or multi-generational living. A private office and bright open-concept floor plan provide the perfect blend of functionality and comfort. Enjoy recent updates throughout, including a refreshed kitchen with newly painted white cabinetry, updated LVP flooring, and a stunning primary bath featuring a designer tile shower with frameless glass doors. Major system upgrades include a newer roof, HVAC, and water heater, offering true move-in-ready peace of mind.

Step outside to a private backyard retreat surrounded by mature trees with no homes directly behind, creating a peaceful natural backdrop and added privacy. The manageable yard size allows you to spend less time on maintenance and more time enjoying the lake lifestyle and community amenities.

Located in an amenity-rich waterfront community, residents enjoy lake access, a resort-style pool, clubhouse, pickleball courts, walking trails, parks, and endless opportunities for boating, kayaking, fishing, and outdoor recreation. Optional deeded boat slip available—making it easy to get out on the water whenever you choose. This is more than a home—it’s a lifestyle!

Property details

Beds
5
Baths
3
SqFt
3,524
Lot
88x476x90x460
Year built
2001
Type
Single Family
Days on market
172
Garage
2
Style
Traditional
Heating
Central, Forced Air, Natural Gas
Cooling
Central Air
Foundation
Crawl Space
Flooring
Laminate, Tile, Vinyl
HOA dues
$549 / 6mo

Features

  • Attic Walk In

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$4,868/ month

Principal & interest
$4,019
Property tax (~1.05%)
$567
Homeowners insurance
$189
HOA dues
$91

Down payment

$32,450 down · $616,550 financed

Income to qualify (28% rule)

~$208,633 / 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.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.