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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

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.

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