View all 36 photos →

Troutman · Troutman, NC

128 La Agua Lane

Troutman, NC · 2,191 sqft

$1,200,000

Reduced from $1,250,000

  • 2Beds
  • 2.5Baths
  • 2,191SqFt
  • 2012Year
  • 41Days on market

About this home

Waterfront Lake Norman, No HOA, your own private boat ramp, and a Duke registered dock sitting on a huge cove with long range water views: 128 La Agua Lane is the almost-an-acre slice of Lake Norman freedom buyers wait years for, and the separate lakefront cottage brings rental income on top.

Built in 2012 down a private road, this is waterfront with no association dictating your dock, your boat, your paint color, or your rentals. The private boat ramp means you launch on your own schedule, and the wide cove setting opens to long range views you feel the second you walk in.

The main home lives easy, with a huge main level primary bedroom, an updated kitchen open to the dining and living space, and the whole living area flowing out to the lake side. Low maintenance vinyl siding, a 2 car oversized garage, and Upstairs holds two more generous bedrooms plus a dedicated office. Out back, a massive covered lakeside deck runs nearly the length of the house, built for morning coffee, sunset cocktails, and everything in between.

Then the bonus almost no listing offers: a separate lakefront cottage with its own kitchen, sleeping space, and full bath, ideal for guests, extended family, or its established rental track record. History and details available upon request. The gazebo is the cherry on top.

Minutes from Lake Norman State Park and 1,900 plus acres of trails, swimming, and shoreline, tucked between I-40 and I-77. Dock, ramp, cottage, main home, almost an acre, no HOA, all at one address. Bring your boat.

Property details

Beds
2
Baths
2.5
SqFt
2,191
Lot
Year built
2012
Type
Single Family
Days on market
41
Garage
2
Style
Traditional
Heating
Heat Pump
Cooling
Central Air
Foundation
Crawl Space, Other - See Remarks
Flooring
Tile, Wood

Features

  • Attic Other
  • Walk-In Closet(s)
  • Dock - Floating

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$8,681/ month

Principal & interest
$7,431
Property tax (~0.90%)
$900
Homeowners insurance
$350
HOA dues

Down payment

$60,000 down · $1,140,000 financed

Income to qualify (28% rule)

~$372,083 / 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

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.