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John KurtzCharlotte · NC

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Belmont · Belmont, NC

514 Cottage Garden Lane

Belmont, NC · 3,657 sqft

$674,898

Reduced from $688,114

  • 5Beds
  • 4Baths
  • 3,657SqFt
  • 2026Year
  • 166Days on market

About this home

The only new single-family home community with direct access and included membership to the Daniel Stowe Botanical Gardens! The Stonehaven floorplan boasts an open concept kitchen with island adjacent to breakfast area and family room making this home perfect for entertaining. Formal dining room and butler’s pantry, study with double doors, mudroom with drop zone, a guest bedroom and a full bathroom finish out the main floor living area. Enjoy mornings and evenings on the covered screened porch just off the breakfast area. On the second level you will find the oversized primary suite with tray ceiling and two generous walk-in closets, a breathtaking bathroom with separate vanities, soaking tub, seated tile shower and private water closet. 3 spacious secondary bedrooms, 2 with walk-in closets. A loft, 2 full bathrooms and spacious laundry room finish out this well-designed home. May/June 2026 estimated completion. Ask me about the special closing cost incentive.

Property details

Beds
5
Baths
4
SqFt
3,657
Lot
Year built
2026
Type
Single Family
Days on market
166
Garage
2
Heating
Natural Gas, Zoned
Cooling
Central Air, Zoned
Foundation
Slab
Flooring
Carpet, Tile, Vinyl
HOA dues
$222 / qtr

Features

  • Attic Other
  • Drop Zone
  • Garden Tub
  • Kitchen Island
  • Open Floorplan
  • Walk-In Closet(s)
  • Walk-In Pantry

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$4,928/ month

Principal & interest
$4,179
Property tax (~0.85%)
$478
Homeowners insurance
$196
HOA dues
$74

Down payment

$33,744 down · $641,153 financed

Income to qualify (28% rule)

~$211,231 / 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.