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John KurtzCharlotte · NC

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Waxhaw · Waxhaw, NC

641 Cottonfield Circle

Waxhaw, NC · 5,305 sqft

$1,500,000

  • 4Beds
  • 6.5Baths
  • 5,305SqFt
  • 2026Year
  • 189'x322'x183'x300'Lot
  • 3Days on market

About this home

Stunning custom-built full brick home on a private 1.2-acre lot in an established Waxhaw community with sought-after Marvin schools. This thoughtfully designed residence embodies refined luxury and effortless entertaining, offering 4 bedrooms, a private office, a spacious bonus room, 6 full baths, and an extra half bath. The open floor plan features coffered ceilings, extensive trim work, and no carpet throughout. At the heart of the home, the chef's kitchen is both functional and impressive - anchored by an oversized island, abundant counter space, quartz countertops, gray shaker cabinetry, a bold tile backsplash, double wall ovens, and a gas cooktop - all open to the breakfast area and family room with a sleek electric fireplace that brings both modern style and cozy ambiance. The main level also includes a formal dining room, private office, and a generous utility room with laundry. The main-level primary suite serves as a true private retreat with cove ceiling lighting, an electric fireplace, a custom closet, and a spa-inspired bath with designer tile finishes. Every bedroom features its own custom closet, offering thoughtful storage throughout. Upstairs, the expansive bonus room with a wet bar offers endless flexibility - media room, guest suite, or entertainment space. Additional highlights include a side-load 3-car garage, tankless water heater, and beautifully appointed bathrooms with stylish navy cabinetry throughout. Enjoy all of this with HOA dues of just $157 annually - exceptional value for the lifestyle and location. Located just minutes from Blakeney, Waverly, and all the dining, shopping, and conveniences the area has to offer. The septic permit is for 4 bedrooms.

Property details

Beds
4
Baths
6.5
SqFt
5,305
Lot
189'x322'x183'x300'
Year built
2026
Type
Single Family
Days on market
3
Garage
3
Style
Transitional
Heating
Natural Gas
Cooling
Ceiling Fan(s), Central Air
Foundation
Crawl Space
Flooring
Hardwood, Tile
View
Year Round
HOA dues
$157 / yr

Features

  • Attic Stairs Pulldown
  • Entrance Foyer
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Walk-In Closet(s)

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$10,928/ month

Principal & interest
$9,289
Property tax (~0.95%)
$1,187
Homeowners insurance
$437
HOA dues
$13

Down payment

$75,000 down · $1,425,000 financed

Income to qualify (28% rule)

~$468,343 / 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.