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Mount Holly · Mount Holly, NC

109 Whiterock Drive

Mount Holly, NC · 3,796 sqft

$1,000,000

  • 4Beds
  • 3.5Baths
  • 3,796SqFt
  • 2003Year

About this home

Luxury, craftsmanship, and lake lifestyle come together in this beautifully updated custom full-brick home in Stonewater with resort-like amenities, one of Mount Holly's premier waterfront communities. Perfectly positioned on a spacious corner lot with seasonal water views, this exceptional property also includes a deeded boat slip (Dock A-26), offering convenient access to Mountain Island Lake. This home has been well maintained and pride of ownership is apparent. It has been thoughtfully enhanced with fresh interior paint, a refreshed kitchen, new and refinished hardwood flooring throughout (no carpet), updated lighting, hardware, and staircase with a custom runner, creating a fresh, timeless aesthetic while preserving the home's quality craftsmanship. Inside, soaring ceilings, extensive moldings, detailed millwork, tray and vaulted ceilings, walls of windows, and rich architectural details define the spacious interior. The impressive two-story great room features a gas fireplace with custom built-in cabinetry and serves as the centerpiece of the home. The main-level primary suite offers two walk-in closets, including one with custom built-ins, along with dual granite vanities, a jetted tub, and separate shower. Every secondary bedroom includes its own walk-in closet, while all bathrooms feature granite countertops, tile flooring, and tiled bath surrounds. One of the home's signature spaces is the approximately 380-square-foot heated and cooled EasyBreeze sunporch. Although not included in the heated living area, it functions as a true four-season retreat with vaulted pine ceilings and peaceful views of the mature landscape beyond the partially fenced backyard. The trex deck, patio, and partially fenced backyard complete this outdoor living space. Additional highlights include a recently encapsulated crawl space with dehumidifier, an expansive driveway, a side-entry oversized 2 car garage with epoxy flooring and custom built-in cabinetry and work bench, central vacuum system, irrigation, security system, kitchen water filtration, and a spacious laundry room with cabinetry and utility sink. From its custom craftsmanship and extensive updates to its deeded boat slip and desirable waterfront community, this home offers a rare combination of elegance, functionality, and recreation—all just minutes from Charlotte, Belmont, and the amenities of Mountain Island Lake.

Property details

Beds
4
Baths
3.5
SqFt
3,796
Lot
Year built
2003
Type
Single Family
Garage
2
Heating
Central, Forced Air, Natural Gas, Zoned
Cooling
Ceiling Fan(s), Central Air, Ductless, Electric, Zoned
Foundation
Crawl Space
Flooring
Tile, Wood
View
Water
HOA dues
$1,327 / yr

Features

  • Attic Stairs Pulldown
  • Breakfast Bar
  • Built-in Features
  • Cable Prewire
  • Central Vacuum
  • Entrance Foyer
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Walk-In Closet(s)
  • Whirlpool
  • In-Ground Irrigation

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$7,303/ month

Principal & interest
$6,193
Property tax (~0.85%)
$708
Homeowners insurance
$291
HOA dues
$110

Down payment

$50,000 down · $950,000 financed

Income to qualify (28% rule)

~$313,023 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. Christy can introduce you to lenders she 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

About Mount Holly

Catawba River · NW commute

Quiet river town between Belmont and Charlotte — Mountain Island Lake access, fifteen-minute Uptown commute, and growing school districts.

Explore Mount Holly

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