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John KurtzCharlotte · NC

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Sherrills Ford · Sherrills Ford, NC

4197 Todd Street

Sherrills Ford, NC · 1,398 sqft

$995,000

Reduced from $1,175,000

  • 2Beds
  • 2.5Baths
  • 1,398SqFt
  • 2017Year
  • 64Days on market

About this home

PRICED BELOW APPRAISAL – FULLY FURNISHED– TURNKEY WATERFRONT WITH DOCK + SUNSET VIEWS ON LAKE NORMAN

Welcome to a luxury waterfront residence on Lake Norman, offering a rare combination of refined interior upgrades, highly functional outdoor living, An exceptional opportunity to secure a fully furnished, move-in ready waterfront home positioned on open water with a private dock and sunset-facing views—now offered below appraised value. Walk-out lower level offers significant expansion potential—ideal for adding living space, guest suite, or increasing overall value. Property offers potential for future detached garage/guest suite addition (subject to buyer verification and permitting), creating an opportunity to further expand functionality and value.

Built in 2018 and significantly upgraded beyond builder standards, this property delivers the rare combination of condition, location, and immediate usability that today’s buyers are searching for. Vaulted ceilings and expansive windows frame wide lake views and fill the open-concept living space with natural light. The kitchen is designed for both everyday living and entertaining, featuring River Marble flooring, upgraded granite, and premium appliances including a Bosch dual-fuel range, warming drawer, Bosch dishwasher, and LG refrigerator. The oversized peninsula creates a seamless flow into the dining and living areas, anchored by a gas fireplace and direct access to a sunroom overlooking the water. Hickory hardwoods extend throughout the main living areas and bedrooms. The primary suite captures lake views and offers functional convenience with direct access to the laundry room. Interior finishes include crown molding, custom window treatments, and well-appointed baths with a soaking tub. Outdoor living is where this property separates itself. A maintenance-free deck with a fully equipped outdoor kitchen and electric awning overlooks the lake, while professionally designed landscaping—with over 100 tons of river rock—creates a polished, low-maintenance setting. A lighted pathway leads to a lakeside patio with fire pit and down to the private dock. The covered dock includes an 8,000 lb boat lift, sun pad, and dual jet ski ports—ideal for immediate lake use or short-term rental income potential. Additional features include a whole-home generator, 10x12 storage building, and walk-in basement with partially finished bath offering expansion potential. No HOA. Offered fully furnished for a true turnkey experience. Ideal as a full-time residence, second home, or investment property with strong rental appeal. Opportunities like this—priced below appraisal, fully furnished, and ready for immediate enjoyment—are limited on Lake Norman. Schedule your showing today.

Property details

Beds
2
Baths
2.5
SqFt
1,398
Lot
Year built
2017
Type
Single Family
Days on market
64
Style
Cottage
Heating
Central
Cooling
Ceiling Fan(s), Central Air
Foundation
Basement, Crawl Space
Flooring
Marble, Wood
View
Water, Year Round

Features

  • Breakfast Bar
  • Built-in Features
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • In-Ground Irrigation
  • Outdoor Kitchen
  • Storage
  • Other - See Remarks

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$7,323/ month

Principal & interest
$6,162
Property tax (~1.05%)
$870
Homeowners insurance
$290
HOA dues

Down payment

$49,750 down · $945,250 financed

Income to qualify (28% rule)

~$313,849 / 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.