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Belmont · Belmont, NC

401 Armstrong Drive

Belmont, NC · 3,597 sqft

$825,000

  • 3Beds
  • 3.5Baths
  • 3,597SqFt
  • 1999Year

About this home

Location, Location, Location: waterfront lot with a floating dock, walkable to downtown Cramerton, Goat Island Park, Carolina Thread Trail. All of this and a full brick 3597 +/- heated square feet home with a BRAND new roof in August 2026. The HVAC was updated in 2021 for the main level and in 2025 in the basement. There are laundry locations on the main level and basement as well, both offering electric or gas dryer availability. The main level has a split bedroom floor plan. The primary suite has a water view, a whirlpool tub and separate shower, walk-in closet. A formal living room as well as a formal dining room offering loads of options for office space, play room or whatever you desire. The kitchen is complete with an updated dishwasher and oven, a breakfast bar, and dining area as well, with a water view. The 2nd bedroom also has a water view as well. In the basement, you will find all kinds of options and lots of space. There is room for everyone in this house! An oversized garage/shop, a billiard room complete with a pool table to remain. A safe will remain. An office or media room with a full bath and a walk-in closet. There is also a large rec room or family room complete with a wet bar and lots of seating. In addition to all of this, there is a ton of floor attic storage and room for possible expansion if needed. Outside, there is landscape lighting throughout the front and back yard, programmed to come on at dusk. The floating dock offers a great area to relax and enjoy your private waterfront oasis! Come check this one out for yourself!!

Property details

Beds
3
Baths
3.5
SqFt
3,597
Lot
Year built
1999
Type
Single Family
Garage
3
Heating
Central, Natural Gas
Cooling
Central Air, Electric
Foundation
Basement
Flooring
Laminate, Tile, Wood
View
Water

Features

  • Attic Stairs Pulldown
  • Breakfast Bar
  • Kitchen Island
  • Split Bedroom
  • Storage
  • Walk-In Closet(s)
  • Wet Bar
  • Whirlpool
  • Dock - Floating

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$5,934/ month

Principal & interest
$5,109
Property tax (~0.85%)
$584
Homeowners insurance
$240
HOA dues

Down payment

$41,250 down · $783,750 financed

Income to qualify (28% rule)

~$254,334 / 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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