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John KurtzCharlotte · NC

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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.

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.