Denver · Denver, NC
4178 Millstream Road
Denver, NC · 2,806 sqft
$640,000
- 4Beds
- 3Baths
- 2,806SqFt
- 2026Year
- 368Days on market
About this home
Gorgeous NEW CONSTRUCTION ranch with an upstairs retreat, designed for low-maintenance living just minutes from Lake Norman. This elegant home features 10' ceilings on the main level, a primary suite on the main floor, and a bright, open layout ideal for modern living. The gourmet kitchen showcases floor-to-ceiling cabinetry, quartz countertops, double wall ovens, gas cooktop, and a large farmhouse-style island overlooking the family room with coffered ceiling and modern gas fireplace.
The primary suite includes a tiled walk-in shower, dual quartz-topped vanities, and a spacious walk-in closet. A versatile front study can serve as a home office or formal dining. Hardwood floors run throughout the main level (excluding primary bath and secondary bedrooms).
Upstairs, the retreat offers a large loft, 4th bedroom, and 3rd full bath—perfect for guests or entertainment.
Enjoy an active lifestyle with Westport boat storage/marina and Sally’s YMCA just 5 minutes away, plus shopping and dining less than 10 minutes from home, and only 30 minutes to Uptown Charlotte, offering the perfect blend of convenience and lake-area living. Depending on contract date, there may be time to MAKE SOME SELECTIONS - verify with builder representative.
Video and photos are representative of previous built home. Options, colors, layout, etc. may differ.
Property details
- Beds
- 4
- Baths
- 3
- SqFt
- 2,806
- Lot
- —
- Year built
- 2026
- Type
- Single Family
- Days on market
- 368
- Garage
- 2
- Heating
- Forced Air, Natural Gas
- Cooling
- Central Air
- Foundation
- Crawl Space
- Flooring
- Carpet, Hardwood, Tile
- HOA dues
- $300 / 6mo
Features
- Attic Walk In
- Cable Prewire
- Entrance Foyer
- Kitchen Island
- Open Floorplan
- Pantry
- Walk-In Closet(s)
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance, HOA
$4,680/ month
- Principal & interest
- $3,963
- Property tax (~0.90%)
- $480
- Homeowners insurance
- $186
- HOA dues
- $50
Down payment
$32,000 down · $608,000 financed
Income to qualify (28% rule)
~$200,587 / 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
Gallery — 27 photos
About Denver
Lake Norman west · Rural growth
Lincoln County town on the west side of Lake Norman — fastest-growing rural market in the region, with new subdivisions tied to the lake and the Highway 16 corridor.


