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John KurtzCharlotte · NC

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Belmont · Belmont, NC

204 Bay Shore Drive

Belmont, NC · 2,134 sqft

$1,100,000

  • 3Beds
  • 2.5Baths
  • 2,134SqFt
  • 1988Year
  • 1Days on market

About this home

Extraordinary 3-bedroom waterfront home offering breathtaking lake views and approximately 200 feet of shoreline, all set on a private, gently sloped lot. Thoughtfully designed to maximize the scenery, the bright and open great room features a vaulted ceiling, skylights, a cozy fireplace, and expansive lake views. The spacious kitchen is equipped with stainless steel appliances, a gas cooktop, granite countertops, and a breakfast bar. The adjoining dining space is perfect for lingering over morning coffee while taking in the stunning waterfront setting. A large laundry room, two bedrooms, plus a full bath complete the main floor. The spacious 2nd floor primary suite is a true retreat, complete with a vaulted ceiling, built-in cabinetry, and a sitting area overlooking the lake. The en-suite bath includes dual vanities, a walk-in closet, a garden tub, and a walk-in tiled shower. Upstairs, a versatile loft provides an ideal space for a home office or additional living area. There is even a hard to find 4 car garage! Outdoor living is just as impressive, featuring a large deck, gazebo, floating dock, and a private boat ramp—everything you need to fully enjoy lake life. Positioned on a peaceful cove that opens to the main channel, this property offers both tranquility and easy access to open water. Exterior siding and interior freshly painted! Located in charming Belmont, you’ll enjoy a welcoming small-town atmosphere with convenient proximity to Uptown Charlotte, airport, and I-85.

Property details

Beds
3
Baths
2.5
SqFt
2,134
Lot
Year built
1988
Type
Single Family
Days on market
1
Garage
4
Style
Transitional
Heating
Electric, Forced Air, Heat Pump, Propane
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Carpet, Tile, Wood
View
Water, Year Round

Features

  • Breakfast Bar
  • Garden Tub
  • Walk-In Closet(s)
  • Dock - Floating

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$7,912/ month

Principal & interest
$6,812
Property tax (~0.85%)
$779
Homeowners insurance
$320
HOA dues

Down payment

$55,000 down · $1,045,000 financed

Income to qualify (28% rule)

~$339,112 / 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.