View all 48 photos →

Salisbury · Salisbury, NC

540 Waters Road

Salisbury, NC · 3,235 sqft

$699,000

Reduced from $725,000

  • 4Beds
  • 2.5Baths
  • 3,235SqFt
  • 1989Year
  • 545.23 x 123.23Lot
  • 40Days on market

About this home

Alright, here’s the deal… lake houses on High Rock Lake are hard enough to find. One with actual water in front? That’s the unicorn.

Sitting on 1.25 acres under towering trees and mature landscaping, this place was built for lake days, pool parties, and “accidentally” having your friends stay way too late. Featuring an in-ground pool, newer major systems, a boat ramp, and a pier permit already in place so you can skip the waiting game and get straight to living the lake life.

Whether you’re into boating, entertaining, quiet mornings with coffee by the water, or just want a backyard that feels like a vacation, this one checks a lot of boxes without feeling cookie-cutter.

Fair warning: once you sit by the pool and look at the lake, your current house may start feeling a little suspicious.

Owner has pier permit for the construction of a new pier. previous pier was lost to a storm. Also property has a concrete boat ramp, but would need to be repaired.

Property details

Beds
4
Baths
2.5
SqFt
3,235
Lot
545.23 x 123.23
Year built
1989
Type
Single Family
Days on market
40
Style
Traditional
Heating
Heat Pump
Cooling
Central Air
Foundation
Crawl Space
HOA dues
$600 / yr

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$5,107/ month

Principal & interest
$4,329
Property tax (~0.90%)
$524
Homeowners insurance
$203
HOA dues
$50

Down payment

$34,950 down · $664,050 financed

Income to qualify (28% rule)

~$218,881 / 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

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.