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Belmont · Belmont, NC

146 Duck Cove Road

Belmont, NC · 1,920 sqft

$555,000

  • 2Beds
  • 1Baths
  • 1,920SqFt
  • 1974Year

About this home

Discover the opportunity to own 1.32 private waterfront acres on peaceful Duck Cove Road at Lake Wylie. Less than one mile from the new proposed Publix Grocery on New Hope Road, this property offers the perfect balance of privacy, convenience, and natural beauty. Surrounded by nearby prestigious communities, including the luxury homes of McLean and Reflection Pointe, with new off water home communities under construction, you'll enjoy an exceptional location —making this a rare opportunity to create your own waterfront dream home. Whether you're looking to renovate the existing home or live comfortably while planning your custom lakefront residence, this property offers outstanding potential. Tucked away on the Catawba River at Lake Wylie, you'll enjoy a private nature sanctuary where blue herons, egrets, Red-tailed Hawks, and deer are frequent visitors. The calm, glass-like waters provide the perfect setting for morning coffee, kayaking, paddleboarding, fishing, or simply unwinding while surrounded by the beauty of the lake. As the seasons change, the cove offers an ever-changing natural landscape, creating a front-row seat to the beauty and rhythm of Lake Wylie. With no HOA, you'll have the freedom to make the property your own. The generous 1.32-acre homesite provides ample space for your vision while preserving privacy, and the grandfathered dock (in need of repair) offers a connection to the lake that enhances this unique waterfront setting. Rarely does an opportunity combine the privacy of a nature retreat with the convenience of nearby shopping, luxury neighborhoods, and the chance to build a custom waterfront home in one of Lake Wylie's most desirable and rapidly growing areas. Sold AS IS. Septic permit is for two bedrooms. All interior photos are digitally enhanced to remove seller's personal belongings so the photos are for illustrative purposes only, and buyer must verify room conditions. Portions of finished basement are under 7ft in height and are therefore not included in square footage. American Home Shield Warranty is provided.

Property details

Beds
2
Baths
1
SqFt
1,920
Lot
Year built
1974
Type
Single Family
Heating
Heat Pump
Cooling
Heat Pump
Foundation
Basement

Features

  • Storage

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$3,992/ month

Principal & interest
$3,437
Property tax (~0.85%)
$393
Homeowners insurance
$161
HOA dues

Down payment

$27,750 down · $527,250 financed

Income to qualify (28% rule)

~$171,098 / 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 Belmont

Home base · Premier South office

Where Christy is based — a walkable Main Street, Lake Wylie waterfront, and the small-town Charlotte alternative thirteen miles west of Uptown.

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