Belmont · Belmont, NC

577 Cottage Garden Lane

Belmont, NC · 3,168 sqft

$723,176

  • 5Beds
  • 3.5Baths
  • 3,168SqFt
  • 2026Year

About this home

Belmont's Newest Single Family Community with direct access to and includes a Daniel Stowe Botanical Gardens Membership! Welcome to The Stonefield, a thoughtfully crafted home that blends classic design with modern, open-concept living. From the moment you enter, you’ll appreciate the seamless flow of spaces designed for both everyday comfort and effortless entertaining. The spacious kitchen with an oversized island is adjacent to the breakfast area and overlooks the family room, creating a central gathering place where everyone feels connected. The kitchen is equipped with quartz countertops, built in double ovens, a 36" gas cooktop with pot filler above and refrigerator. Cozy fireplace in the family room and a covered screened rear porch and side porch just off the breakfast area. A private study just off the foyer, guest suite with private ensuite and walk in shower along with windows galore finish out the main floor of this beautifully unique home. Upstairs you'll find an open loft, 3 secondary bedrooms with walk in closets, secondary bathroom with duel sinks a laundry room already equipped with a washer and dryer, and the oversized primary bedroom with side porch, walk in closet, and deluxe bathroom that includes a large soaking tub. This home is a must see!

Property details

Beds
5
Baths
3.5
SqFt
3,168
Lot
Year built
2026
Type
Single Family
Garage
2
Heating
Natural Gas, Zoned
Cooling
Central Air, Zoned
Foundation
Slab
HOA dues
$74 / mo

Features

  • Attic Stairs Pulldown
  • Entrance Foyer
  • Garden Tub
  • Kitchen Island
  • Open Floorplan
  • Walk-In Closet(s)
  • Walk-In Pantry

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$5,276/ month

Principal & interest
$4,478
Property tax (~0.85%)
$512
Homeowners insurance
$210
HOA dues
$74

Down payment

$36,158 down · $687,017 financed

Income to qualify (28% rule)

~$226,115 / 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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