Charlotte · Charlotte, NC
4628 Water Oak Road
Charlotte, NC · 4,580 sqft
$2,750,000
- 5Beds
- 5.5Baths
- 4,580SqFt
- 2026Year
- 100x318Lot
- 30Days on market
About this home
This exceptional custom home was drawn by acclaimed architect Robert Foster and built by Westwood Custom Homes. It offers a refined take on modern living in Charlotte’s coveted Cotswold neighborhood. A soaring two-story foyer makes an unforgettable first impression, setting the stage for interiors rich in natural light, custom millwork, and thoughtfully curated finishes throughout. At the heart of the home, the chef’s kitchen pairs bespoke cabinetry with a 46" dual fuel JennAir range and complimented by a stunning scullery with exceptional storage, a wine/beverage refrigerator, and a second dishwasher..perfect for supporting those that love to entertain. The Great Room, anchored by a wood-burning Isokern fireplace, opens to a covered outdoor living space with a gas fireplace and built-in grill, creating seamless indoor/outdoor entertaining that overlooks a serene wooded lot. The main-level primary suite is a private retreat, highlighted by a vaulted ceiling, an expansive walk-in closet with integrated washer/dryer, and a spa-caliber bath with soaking tub, dual vanities, and a zero-entry shower. A dedicated office with an adjacent full bath offers flexibility as a guest suite. Upstairs, three ensuite bedrooms, a full laundry room, and a versatile flex space with dry bar provide both function and flexibility.
4628 Water Oak is a statement in elevated design and craftsmanship—delivering a seamless blend of luxury, livability, and resort-style indoor/outdoor living in one of Charlotte’s most sought-after enclaves.
Property details
- Beds
- 5
- Baths
- 5.5
- SqFt
- 4,580
- Lot
- 100x318
- Year built
- 2026
- Type
- Single Family
- Days on market
- 30
- Garage
- 2
- Style
- Contemporary
- Heating
- Central, Forced Air
- Cooling
- Central Air
- Foundation
- Crawl Space
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance
$20,239/ month
- Principal & interest
- $17,031
- Property tax (~1.05%)
- $2,406
- Homeowners insurance
- $802
- HOA dues
- —
Down payment
$137,500 down · $2,612,500 financed
Income to qualify (28% rule)
~$867,423 / 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.


