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Cornelius · Cornelius, NC

19318 Mary Ardrey Circle

Cornelius, NC · 4,787 sqft

$3,179,000

Reduced from $3,350,000

  • 5Beds
  • 4.5Baths
  • 4,787SqFt
  • 1994Year
  • 26Days on market

About this home

OFFERING A 1-YEAR HOME WARRANTY & SELLER CREDITS Stunning waterfront ranch on Lake Norman located in a peaceful, no-wake cove featuring deep views and ideal calm-water swimming! Conveniently located near Jetton Park, grocery stores, and local amenities. This functional split-bedroom layout features three main-level bedrooms, including two connected by a Jack-and-Jill bath. The primary suite boasts custom cedar dual closets and a newly renovated luxury bath complete with separate vanities, a jetted soaking tub, an automated motorized shade, and a spacious walk-in shower with dual shower heads and built-in bench seating. The dream kitchen centers around a massive 9' 8" island packed with storage and solid wood cabinetry. Enjoy breathtaking lake views from almost every room on both levels. Step outside onto the low-maintenance Ipe wood upper deck—perfect for outdoor dining and entertaining with its covered beadboard ceiling and cooling ceiling fan. The walkout basement opens to a lower patio and paved sidewalk leading directly to your private dock. Downstairs offers two additional large lakeside bedrooms (one with an ensuite bath), plus another full hall bath. The open lower level provides ample space for gaming tables or a future full kitchen buildout, alongside a dedicated theater room, a versatile flex space (ideal for an office, workout studio, or hobby room), and a lower-level garage for water toys and workshop projects. Outdoors, enjoy a low-maintenance private dock equipped with a boat lift, an extended 10'x12' sun deck, and room to tie off guest boats, jet skis, kayaks, or paddleboards along 181 feet of seawalled shoreline. Added peace of mind comes from the exterior stucco painted in 2023 with Rhino Shield, featuring a fully transferable 25-year warranty.

Property details

Beds
5
Baths
4.5
SqFt
4,787
Lot
—
Year built
1994
Type
Single Family
Days on market
26
Garage
4
Style
Modern
Heating
Heat Pump, Natural Gas
Cooling
Central Air
Foundation
Basement
Flooring
Carpet, Tile, Vinyl, Wood
View
Water
HOA dues
$500 / yr

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$23,041/ month

Principal & interest
$19,688
Property tax (~0.90%)
$2,384
Homeowners insurance
$927
HOA dues
$41

Down payment

$158,950 down · $3,020,050 financed

Income to qualify (28% rule)

~$987,497 / 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 Cornelius

Lake Norman · Old Town walkable

North Mecklenburg lake town between Huntersville and Davidson — Old Town walkability, Lake Norman shoreline, and a tighter inventory profile than its neighbors.

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