Real Estate News
page 4
“There’s this quaint hometown feel all across the county, and yet it’s only 25 minutes to Uptown.”
C H A R L O T T E
home design dedicated to showcasing charlotte’s distinctive homes
—Candy Thomas, Ivester Jackson
Giving Gaston County The secret is out on the area’s modern day “Mayberry” - story on page 6
homes.charlo+e.com
designer spotlight
straight talk
home & garden
Beth Keim p14
the color guru p16
holiday greenery p18
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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SouthPark Office 6857 Fairview Road Charlotte, NC 28210 704-552-9292
OPENING Soon - WAVERLY OFFICE 7415 Waverly Walk Ave, Suite F2-2 Charlotte, NC 28277
hmproperties.com
GIVERNY | $675,000
TRACEY COOK
MYERS PARK | $1,750,000
EASTOVER | $1,295,000
1966 Maryland Avenue
102 Wrenwood Lane
5726 Colony Road
704-236-1135
6BR/5.1BA | Amazing outdoor living
5BR/5.1BA | Courtyard with fireplace
4BR/2.5BA | Immaculate | High ceilings
NEW CONSTRUCTION
UNDER CONTRACT
SHERYL HALLOW
FOXCROFT | $2,495,000
THE VILLAS | $785,000
POLO CLUB at WEDDINGTON | $299,900
3751 Abingdon Road
7140 Old Providence Road
2308 Coltsview Lane, Matthews
704-907-1144
5BR/5.1BA | Well-appointed
4BR/3.1BA | Gated enclave
2BR/2BA Patio home | Open plan
UNDER CONTRACT
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STONE CREEK RANCH | $310,000
LISA WILFONG
VILLAGE at TOTTENHAM | $785,000
CAMERON WOOD | $535,000
4342 Tottenham Road
10001 Reniston Drive
10513 Serape Road
704-909-5062
4BR/3BA | Gated community
5BR/3.1BA | Open plan | MBR down
3BR/2.1BA| Wrap-around porch
UNDER CONTRACT
JUST CLOSED
VIVIAN & MARK MUNSON
CHELSEA PLACE | $1,095,000
BRITTANY OAKS | SP: $456,000
OVERLOOK | $410,000
2501 Chelsea Place Court
11322 Baronia Place
4444 Andrew James Drive
704-661-7330
Custom 5BR/4BA | In-ground pool
4BR/2.1BA | Updates | Private lot
5BR/3BA | 0.52 acre | Lake access
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
homes.charlo+e.com
Quick Move-in Homes Pleasant Plains | Stallings, NC Single Family Homes from the mid $200s
HOMESITE #
BED/BATH/ GARAGE
SQ. FT.
SALE PRICE
Belhaven H
6
3/2/2
1,408
$287,230
Landrum D
11
5/3/2
2,613
$353,130
Ingleton F
12
4/3.5/2
3,013
$349,665
Belhaven H
15
4/3/2
1,887
$319,865
PLAN
• Intimate neighborhood of just 40 homesites ideally located amid small, family-friendly North Carolina towns • Convenient to shopping, fun local restaurants, and the unique, abundant features of North Carolina’s largest, most cosmopolitan city • Cedarwood Country Club is within eight miles, and families enjoy the pond and trails at popular Colonel Francis Beatty Park, just four miles away • Children are eligible to attend desirable Union County Schools For more info, please contact:
Ursula Panizo | Ursula.Panizo@CalAtl.com Phone: 704.271.4374 CalAtlanticHomes.com Seller does not represent/guarantee that the project will be serviced by any particular public school/school district or, once serviced by a particular school/school district, that the same school/school district will service the project for any particular period of time. Eligibility requirementsWeddington, North Carolina may change over time. You should independently confirm which schools/districts serve the project and learn more information about the school district’s boundary change process prior to executing a purchase contract. Square footage/acreage shown is only an estimate and actual square footage/acreage will differ. Buyer should rely on his or her own evaluation of useable area. Prices, plans and terms are effective on the date of publication and subject to change without notice. Map is not to scale. Depictions of homes or other features are artist conceptions. Hardscape, landscape and other items shown may be decorator suggestions that are not included in the purchase price and availability may vary.This ad contains general information about a new home community in North Carolina and it is not an offer or the solicitation of an offer for the purchase of a new home.This information is not directed to residents of any other state that requires registration or permit issuance prior to the publication of such information.
homes.charlo+e.com
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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|real estate news
what’s new? compiled by Whitney Berongi
COURTYARDS AT WESLEY CHAPEL WELCOMES VISITORS FOR HOLIDAY RIDE On Saturday, Dec. 9, the famed Wells Fargo stagecoach is coming to Charlotte for one day. The Courtyards at Wesley Chapel is sponsoring the visit as part of the community’s holiday celebration, which will include free rides on the 160-year-old, horse-drawn stagecoach. First utilized in 1857 to deliver mail across the Southwest, the Wells Fargo stagecoach is a piece of American history, and it travels to select locations to give people the experience of riding in one of these carriages. The Courtyards at Wesley Chapel offers low-maintenance living. Each new home includes a private garden courtyard, and homeowners have the option of adding a second-floor bonus room and a fully finished, walk-out basement. The community will include a grand clubhouse with fitness center, gathering areas, screened-in porch, saltwater pool and a pickleball court. Phase 1 is nearing completion, with 27 of the 43 available homes already sold. Six new homes are currently under construction and will be available as quick move-in homes in early 2018. Epcon Communities is offering special incentives for buyers who purchase a home at The Courtyards at Wesley Chapel before the end of 2017. The holiday event will take place at 1619 Cuthbertson Road in Wesley Chapel and will feature free stagecoach rides, as well as hot chocolate and apple cider. Visitors can register to win one of the prize giveaways, and Wells Fargo will be giving stuffed ponies to children in attendance. For more information, call 866-276-5969 or visit epconcommunities.com.
BUILDER SERVICES WELCOMES BOBBI CAMERON AS SALES MANAGER BSI Builder Services, the new home sales division of the Allen Tate Companies, has named Bobbi Cameron as sales manager for Bonterra Builders, a division of AV Homes, Inc. Cameron has worked with Bonterra Builders since 2011 in various roles, including sales support, marketing, advertising and information technology. She helped Bonterra grow in local closings from 108 in 2011 to 558 in 2016 and was an integral part of the implementation team when Bonterra was acquired by AV Homes in 2015. In her new role, Cameron will oversee a team of 23 sales agents representing Bonterra communities in the greater Charlotte region, as well as serve as sales trainer for new Bonterra Builders and AV Homes communities. Cameron holds a B.S. degree in marketing from UNCC. She is a licensed broker in both North and South Carolina. A native of Ohio, Cameron has lived in Charlotte since 2004. She enjoys travel and recently completed the Susan G. Komen three-day, 60-mile walk in San Diego. For more information about new construction communities represented by BSI Builder Services, visit bsinewhomes.com.
NANCY BRAUN EARNS SHORT SALE SELLER CERTIFICATION Nancy Braun, owner and broker-in-charge of Showcase Realty, has earned the first and only North Carolina state-specific Certified Short Sale Seller designation through Advance Mortgage Education. With more than two decades of experience in the real estate and mortgage market, Braun brings her expert knowledge of specialty markets to help short sale sellers and homeowners underwater navigate through the process of short sales. Advance Mortgage Education, Inc. was the very first to conduct Short Sale and Loss Mitigation continuing education courses in North Carolina in 2003. For more information, contact Nancy Braun at 704-997-3794.
Email real estate news to homedesign@charlotteobserver.com.
home|design Section published by The Charlotte Observer • P.O. Box 32188, Charlotte, NC 28232. Editorial material in this section is the responsibility of the Observer Content Studio, 704-358-5305. It did not involve the news staff of The Observer.
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Coordinator/Designer
Christina Darnell
Melissa Kennelly
For Agent info contact
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Buck Brice at bbrice@charlotteobserver.com
Suzanne Parker at sparker@charlotteobserver.com
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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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Mortgage Guide Institution
30 yr APR
The Charlotte Observer
30 yr Fixed
3.629% APR
3.755% APR
3.661% APR
Fees
% Down
APR
2.875 0.000
$0
5%
2.896
Points: 0.000
7/1 Arm
2.875 0.000
$0
5%
2.940
Fees: $0
LOCAL IN CHARLOTTE FOR 30 YEARS! OPEN SATURDAYS! A+ BBB RATING!
% Down: 5%
FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS!
Phone Number / Website
NMLS # / License #
NMLS #: 103395
704-529-1233 www.bestratemtg.com
Rate: 3.750
115 yr fixed
3.125 0.000
$295 20% 3.040
Points: 0.000
7/1 yr Arm
3.125 0.000
$295 20% 3.200
704-412-9131
Fees: $295
30 yr jumbo
3.875 0.000
$295 20% 3.905
www.mecklenburgmortgage.com
% Down: 20%
Free Prequalification Letters and Rate Quotes 7 days a week
NMLS #: 1190352
Rate: 3.625
20 yr Fixed
3.500 0.000
$885 5%
3.550
Points: 0.000
15 yr Fixed
3.125 0.000
$885 5%
3.189
910-332-0650
Fees: $855
10 yr Fixed
3.000 0.000
$885 5%
3.093
www.abbafirst.com
% Down: 5%
Doing business HIS way. No cost option for Conv VA FHA USDA
30yr Fixed
ABBA First Mortgage, Inc.
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15 Yr Fixed
30yr Fixed
Mecklenburg Mortgage
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Rate: 3.625
30yr Fixed
Best Rate Mortgage
Product
LIC# 161067
NMLS# 74184 LIC# 132884
Savings Update
Refinancing can be smart for mortgages above 5 percent By Sabrina Karl
Although many homeowners have refinanced during the last five years of historically low mortgage rates, you’re not alone if you don’t have your own rock-bottom rate. Maybe your credit score prevented you from getting a top rate at the time, or perhaps you opted for an adjustable-rate mortgage that has since seen its rate rise. Or maybe refinancing seemed so daunting you just never got around to it.
less on interest. That means you’ll build equity in your home more quickly.
Whatever the reason, if your APY is above 5 percent, you’re a good candidate to investigate refinancing. That threshold comes from two factors: a national average for 30-year fixed mortgages that’s currently hovering around 4 percent, and the rule of thumb that refinancing is often worth it when you can lower your rate by 1 percent or more.
Obviously, the lower the rate you can lock in, the better, assuming the associated costs are reasonable. Fees vary widely, so shopping for your best option means comparing not just the rate for each mortgage, but also that lender’s estimated refinancing costs.
Of course, some research and shopping around will be required. As the name implies, the national average is a middle number of all the mortgage rates currently on offer across the country. So while some lenders are charging more, you can find others charging less.
While some refinancing options carry a hefty expense that won’t make ecoDrop your rate from 5 percent to 4 percent on a $150,000 mortgage balance nomic sense for you, others will be affordable enough that you can easily and you’ll save about $90 a month. But beyond the lower payment, you’ll also recoup the expense with savings from your new, lower interest rate. be putting more towards principal every month because you’ll be spending Rate Criteria: The rates and annual percentage rate (APR) are effective as of 12/5/17. All rates, fees and other information are subject to change without notice. RateSeeker, LLC. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. The institutions appearing in this table pay a fee to appear in this table. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $424,101. Lock Days: 30-60. Points quoted include discount and/or origination. Payments do not include amounts for taxes and insurance. The APR may increase after consummation and may vary. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. Points quoted include discount and/or origination. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. “Call for Rates” means actual rates were not available at press time. To access the NMLS Consumer Access website, please visit www.nmlsconsumeraccess.org. To appear in this table, call 773-320-8492.
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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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|living in Gaston County
DID YOU KNOW? Nicknamed “Christmas Town USA,” the small town of McAdenville holds one of the nation’s top holiday light displays, attracting more than 600,000 visitors each year.
EAT Rivermen Brewing Company Head to the highly-anticipated grand opening of this Belmont brewery and restaurant as it relocates to its new downtown location for a fun celebration with beer, food, music and games.
rivermenbrewingcompany.com
PLAY Martha Rivers Park Pack a picnic lunch before heading out for a fun-filled day in this 58-acre park in Gastonia that boasts paved walking trails, a volleyball court, a castlethemed playground designed by children and several fields for youth sports.
cityofgastonia.com
EXPLORE Crowders Mountain State Park Explore Gaston County’s natural beauty while hiking miles of wide trails lined with wildflowers and mountain laurel in this popular Crowders Mountain Park.
ncparks.gov
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by Julie Cooper
H
ead west out of Uptown and cross the Catawba River for a chance to go back in time to a place where neighbors still look out for each other and life’s simple pleasures delight at every turn. Illustrated with charming cities and towns, mountains, lakes and that quintessential small town feel, buyers flock to Gaston County to escape the hustle and bustle of the big city while remaining just close enough to its excitement and opportunities. “It’s the best of both worlds,” says Candy Thomas with Ivester Jackson. “There’s this quaint hometown feel all across the county, and yet it’s only 25 minutes to Uptown, and even less to the airport. There’s a lot to offer residents here without living in a big crowded city.” Drawn to Gaston County to start a family in a “Mayberry-type environment,” Cramerton’s former mayor Cathy Young, now with Allen Tate Realty, says she “drove across the river” on her move from Myers Park and hasn’t looked back. “I ended up in Cramerton at Cramer Mountain and knew it was home,” she says. “There’s such a great quality of life here.”
From mountains and lakes to the river and a thread trail that runs the expanse of the county, Gaston County has a lot to offer naturally. “There are so many wonderful outdoor activities available with Crowders Mountain, Kings Mountain and the lake,” says Young. “And the river runs through all the little towns so folks will bring their canoes and kayaks over on the weekends to take advantage of what we get to enjoy everyday.” However, this time of year, the most popular attraction can be found in the small town of McAdenville. “People literally come from all over the state to drive or walk through Christmas Town USA,” says Young who has made a tradition of seeing the lights each year with her family. “With all of the carolers, decorations, hot chocolate and hayrides, it’s a wonderful spot to be. If you haven’t gotten the Christmas cheer yet, you’ll definitely get it there.” Along with the small town celebrations, Gaston County also hosts an annual holiday toy run to benefit its less fortunate neighbors, which is, according to Young, “just another example of how everyone takes care of everyone” here. “This is the 22nd
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
year, and we will have more than 1,000 motorcycles and truck after truck after truck of toys for the kids that are going to need a little extra help this holiday season,” she says. Beyond the strong sense of community and prime location, Thomas says buyers are also drawn here for the value. “You can buy a lot more home for the money in Gaston County than you can in the Charlotte market,” she says adding that the waterfront areas of Lake Wylie and Mountain Island Lake along with Cramer Mountain and McAdenville tend to be the most popular. “As for new developments, there’s McLean at Lake Wylie and Robinson Oaks across from the new YMCA on Robinwood Lake, which have both been very well received.” Once considered a hidden gem, Gaston County is now on the radar for buyers looking to have it all. “Inventory is lower in Gaston County than it’s ever been,” says Young. “The average days on market now is less than a week, and the majority of homes are selling above asking. I think we aren’t the secret that we used to be—the secret’s definitely gotten out.”
homes.charlo+e.com
living in Gaston County| 2750 Robinwood Road, Gastonia, NC 28054 Price: $870,000 MLS: 3295897 Listing Agent: Candace Thomas, 704616-6219, candacet@ivesterjackson. com; Tommy Ingram, 704-451-0041, tommyingram@ivesterjackson.com; Ivester Jackson Distinctive Properties Beautifully maintained European style home with mountain setting. Four-car garage attached to porte cochere breezeway. Large master suite with sitting area, large elegant master bath with amenities, separate his-and-her walk-in closets. Open front door and open floor plan. Step through any of the French doors off great room and enjoy private wooded view on massive brick deck. Walk through the two-story great room, notice the gorgeous coffered ceiling and 20-foot stacked stone fireplace.
European Style Home - 2750 Robinwood Road - Five Acres
Candy Thomas MLS# 3295897 | $870K | 4BD | 3 FULL, 2 HALF BA | 5,113 SQFT
homes.charlo+e.com
Real Estate Professional 704.616.6219 CandaceT@ivesterjackson.com CandyThomas.ivesterjackson.com
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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Lake Wylie Waterfront | McLean | Belmont, NC
Lake Wylie Waterfront | McLean | Belmont, NC
241 CAPE AUGUST PL #26 | MLS# 3125483 $1,250,000 | 4BD, 3.1BA | 3,500 SQFT
325 CAPE AUGUST PL #35 - MLS# 3334165 MAIN CHANNEL - $375,000 - .79 ACRES
Lake Wylie Waterfront | McLean | Belmont, NC
Lake Wylie Waterfront | McLean | Belmont, NC
209 CAPE AUGUST PL #18 | MLS# 3334175 WATERFRONT | $350,000 | .96 ACRES
113 CAPE AUGUST PL #13 | MLS# 3334174 WATERFRONT | $295,000 | 1.10 ACRES
New Construction | 10 Minutes from Uptown
Wendover Hill | Quiet Cul-De-Sac
125 South Shore #45, Belmont, NC 28012 Price: $405,000 MLS: 3334176 Listing Agent: Anne Brade, RE/MAX Executive, 704-650-4951, anne@ annebrade.com
205 WENDOVER HILL CT #9 | MLS# 3270416 $1,195,000 | 4BD, 5BA | 4,400 SQFT
205 WENDOVER HILL CT #9 | MLS# 3270416 $1,195,000 | 4BD, 5BA | 4,400 SQFT
Custom New Construction | Wendover Hill
Davidson Hall | Serene Setting
3814 CHURCHILL RD #19 | MLS# 3270422 $795,000 | 4BD, 4.1BA | 3,014 SQFT
820 PATRICK JOHNSTON LN #29 | MLS# 3278844 $795,000 | 5BD, 4.2BA | 3,814 SQFT
Stunning main channel, flat waterfront lot, no trees, more than 100 feet of dockable shoreline. McLean South Shore on Lake Wylie in Belmont, N.C. is Charlotte’s last premier waterfront setting for new custom homes. Enjoy long water views. Create your oasis with pool and outdoor kitchen with your own custom home plan. Live the McLean life—five miles of shoreline, 10 miles of trails, close to Charlotte, the airport and Daniel Stowe Botanical Garden.
Anne Brade NC/SC Broker Realtor, ABR, CRS, CLHMS
(704) 650-4951 Anne@AnneBrade.com www.TeamBrade.com
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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
homes.charlo+e.com
NC/SC Realtor®, Broker, GRI
704.860.5400
David Young | 704.718.6938 Kim Peeler | 704.472.4084
YOUNG,ASSOCIATES@ALLENTATE.COM HOMEWITHCATHY.HOMESANDLAND.COM er in amnta r C ou M
503 Stuart Ridge ~ Cramerton
MLS# 3309052
$695,000 t en s ni ces e nv Ac Co wy H
503 Stuart Ridge, Cramerton, NC 28032 Price: $695,000 MLS: 3309052 Listing Agent: Cathy Young, Allen Tate Realtors, 704-860-5400, cathy.c.young@allentate.com
3020 Mount Vernon Dr ~ Gastonia
MLS# 3324280
$250,000 This amazing property is the well known “Loomis Fargo Heist” house in gated Cramer Mountain. Note the leopard carpet on the dramatic staircase as you enter the two-story marble foyer. Open concept chef’s kitchen with huge walk-in pantry and eat-at bar. Great room with stone fireplace, full bar and access to huge deck make this home with wine room and billiard room perfect for entertaining. Master suite with twosided fireplace, spa bath and private access to single garage. Second master upstairs. Second laundry on lower level.
r t de ac Unntr Co
3815 Sherwood Cir ~ Gastonia
MLS# 3307573
$675,000 r t de ac Unntr Co
3708 Saint Charles Ct ~ Gastonia
MLS# 3307657
$250,000 homes.charlo+e.com
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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C H A R L O T T E
home design - dedicated to showcasing charlotte’s distinctive homes -
Upcoming Issue Focus Calendar CUSTOM TO BUILD
13424 SAGE THRASHER Time to build your dream estate on 9.4 waterfront acres on Lake Wylie in The Sanctuary. Impressive architectural features. $2,121,450
51 HONEYSUCKLE WOODS RARE FIND in Lake Wylie’s River Hills! Completely updated ranch with finished basement and WOW screened porch. $430,000
OPEN HOUSE SAT 2-4
ESTATES AT GLENMOOR NEW CONSTRUCTION, THESE ARE THE LAST ONES! 3128 GLENMOOR - 3200 sq ft. $309,000. 3120 GLENMOOR - $325,000. 3121 GLENMOOR - Cottage style $310,000. 3113 GLENMOOR - $300,000.
4480 RIVER OAKS RD, LAKE WYLIE Custom built 4BR w/waterviews, stunning features on 1.17 acre. $535,000
OPEN HOUSE SAT 2-4
228 WHITE PINE RD. Discover Lake Wateree SC just 1 hr. f/ Charlotte. Custom built 3 BR cottage on 2.2 acres with Dock. Breathtaking! $400,000
224 CURRENCE RD CLOVER Country Estate on 9.7 acres with pond! 2 yrs young with amazing 3+ vehicle workshop! $550.000
Robin Knows Dirt • 1581 Dan Sexton, Sharon Go Country on 94.3 rolling acres w/amazing views, several homesites $265,000 • 660 Briarwood in Lake Wylie’s Clarendon Estates & Clover Schools 1 AC lot $49,000 • 208 Highland Forest Dr. in Clover’s Patrick Place .53 AC $47,000 • 1280 Parsons Rd Discover historic McConnells SC! Private 30 acre wooded lot $150,000 • Georgeous waterfront 2.83 acre lot Mountain Lakes in Chester $45,000 • Gorgeous pasture land Charlotte Hwy York - 9 acres $162,000 • 2037 Connor Rd, Chester 5.51 fenced acres w/mobile home, storage buildings $70,000 • Rambler Ln Blacksburg 10 building lots, all wooded 1-2 acres between Charlotte and Spartanburg close to I-85 $13,000 each • 17 beautiful acres for your dream home Moffit Creek, Chester $61,200 • 5975 Morningstar 4.5 acres in Lake Wylie’s Cook’s Cove $65,000 • Ft. Lawn 2 lots in Carobrook subdivision $7,000 each WOW!
1144 FENWICK IN LAKE WYLIE’S LONGLEA ESTATES, 4BR, 3 car garage, fabulous! $270,000
OPEN HOUSE SAT 2-4
OCTOBER SEPTEMBER
SAT 7
THE UPTOWN WARDS
14
CUSTOM BUILT HOMES
21
UNION COUNTY
28
NC GREAT LAKES
SAT 4
NOVEMBER OCTOBER HISTORIC HOMES
11
THE BABY BOOM ISSUE
18
LAKE KEOWEE
25
THE GRAND STRAND
SAT DECEMBER NOVEMBER 2 THE BUNGALOW ISSUE 9 GASTON COUNTY 16 EQUESTRIAN, FARMS & LAND 23 RISING STARS - TOP 10 30 HIGH COUNTRY NC MTNS C H A R L O T T E
home design
Charlotte’s Premier Real Estate Publication Viewed by 339,500 Readers Weekly!
- dedicated to showcasing charlotte’s distinctive homes -
1907 KAILUA CIRCLE Tega Cay waterfront ranch with full basement, dock, Views from every room New kitchen! $510,000
116 MARION ST. Clover historic 1927 brick Craftsman Cottage 3BR/2Bath Charming accents $185,000
While you are pulling out those holiday decorations, get rid of the clutter. DONATE!
www.yorkcountyhabitat.org
For more information & advertising options, contact Buck Brice (704) 358-5454 BBrice@CharlotteObserver.com
WATCH VIDEOS FOR ALL THESE HOMES ON
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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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Top Individual Listing Agent in NC/SC for 2016
John R. Bolin
Realtor®, Broker
704.214.3088 John.Bolin@allentate.com
WWW.JOHNBOLIN.COM Custom Built ~ 3607 Roxburgh Lane ~ Gastonia
MLS# 3264961
$574,500
1210 Lamppost Ct
3607 Roxburgh Lane, Gastonia, NC 28056 Price: $574,500 MLS: 3264961 Listing Agent: John Bolin, Allen Tate Realtors, 704-214-3088, john.bolin@ allentate.com Beautiful custom built executive home by the late Bill Kendrick, list of upgrades and extras online attached, located in a quiet cul-desac with brick privacy fence, brick floor in sunroom and oversized threecar garage. This true one-of-a-kind custom features vaulted, cathedral, smooth ceilings throughout, granite countertops, tile backsplashes and high end molding package—certainly a home that can entertain large gatherings.
homes.charlo+e.com
3117 Planters Ridge Dr
ve ti e u ec m Ex Ho
Gastonia MLS# 3304498
Gastonia MLS# 3303512
$459,900
$339,900
504 Sebring Dr r t de ac Unntr Co
110 N Gaston St ic n or ow t s t Hi wn Do
Belmont MLS# 3331955
Kings Mtn MLS# 3328176
$697,000
$389,900
5113 Rialto St n ma me s t o af e H Crtyl S
1202 Jacourt Ln ty e li om a H Quilt Bu
Belmont MLS# 3305936
Bessemer City MLS# 3316730
$329,900
$329,900
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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|living in Gaston County The Spiazza, Armstrong Ford Road, Cramerton, NC 28032 Price: From $274,900 MLS: 379170 Listing Agent: Allison Wallace, NewStyle Communities, 704-837-8301, allison@ newstylecommunities.com What do you get when you combine award-winning, traditional, all-brick architecture with a maintenance-free platform in one of the most desirable communities in the Charlotte area? The Courtyards at Cramerton—a premier 55+ age-restricted community by NewStyle Communities, an EPCON Communities Builder. Our presale campaign has begun and home sites are going fast. Key features include a convenient Belmont location, all-brick architecture, private courtyard spaces, single-level home designs, prices from the high $200s to the high $400s. Coming in 2019.
The Palazzo, Armstrong Ford Road, Cramerton, NC 28032 Price: From $274,000 MLS: 31419060 Listing Agent: Allison Wallace, NewStyle Communities, 704-837-8301, allison@ newstylecommunities.com Plan Description: The Palazzo is a striking home designed with functional excellence to promote easy manageability. This plan has the elegance and quality of an open, efficient design. Features include a gourmet kitchen and den that allow you to live in comfort. Additionally, the Palazzo offers intelligent features like a conveniently located laundry room, generous storage space and the added versatility of a bonus suite. The Palazzo provides a luxurious yet casual living experience. Two beds, two baths, 1,519 Sq. Ft.
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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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Low-Maintenance, Ranch Homes Available Today!
Locate your dream home at www.myepconhome.com/charlotte The Courtyards on Lake Norman 704-685-0818 The Courtyards of Huntersville 704-439-7023 The Courtyards at Blume Point 704-439-7023 The Courtyards at Kinnamon Park 704-576-0556
“Getting together with family has never been as much fun as in our new courtyard home.”
The Courtyards at Emerald Lake 704-635-5082 The Courtyards at Wesley Chapel 704-233-7727 The Courtyards of Marvin 704-787-0320 GOLD SPONSORS
Copyright 2017 Epcon Communities, Franchising, Inc.
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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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|designer spotlight
Beth Keim by Bethany E. Starin
“
THERE ARE A LOT OF DESIGNERS IN TOWN THAT ARE AMAZING, SO I NEEDED A NICHE, SOMETHING NOT EVERYONE IS DOING. I WAS REALLY INTO SATURATED COLOR AT THE TIME AND BUSY PATTERNS SO THAT LET ME DO KIDS’ ROOMS. FAST FORWARD AND I HAVE A GOOD CREW OF
Beth Keim, owner of interior design firm Lucy and Company, established a name for herself in the Queen City crafting incredible children’s rooms, which then launched into full service design. She moves from her East Boulevard space this month to an edgy, open space in South End. Keim puts her signature minimalistic and warm look on spaces in and out of Charlotte.
What first drew you into the world of design? I was a pen and ink and business major but moved to Charlotte 20 years ago to work for a law firm. The wife of one of the attorneys hired me to gold leaf the molding in her dining room back when faux finishing was all the thing—that was in 1998. I left the law firm to launch my own business, starting by painting furniture for kids’ rooms out of my living room. What’s the story behind your branding—Lucy and Company? Right around that time, I was 36 and single, and I decided to go to China and adopt my daughter, Lucy— hence the name of the business. Two weeks after I got back from China, I met my now husband, Keith Keim. The minute I let go, it all fell into place. He was also an
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SIX PEOPLE, DOING FULL BLOWN HOUSES AND I HAVEN’T DONE A KIDS ROOM IN YEARS.”
art major and is a mixed media artist with a studio in Charlotte. Together we hand-painted furniture and the walls, designing a lot of upscale kids’ rooms. Why kids’ rooms? Because nobody was doing it. There are a lot of designers in town that are amazing, so I needed a niche, something not everyone is doing. I was really into saturated color at the time and busy patterns so that let me do kids’ rooms. A lot of people were older and having babies—people were spending the money on their children’s rooms. It just worked. What’s your current niche? We evolved the business into a full service interior design firm. Fast forward and I have a good crew of six
people—doing full blown houses and I haven’t done a kids’ room in years. My style has been more minimalistic and neutral. I am a huge black and white fan. My personal style is a lot cleaner and simpler. What’s part of the design process you love? Art and lighting are huge at the end of the project to bring it all together. That is one thing people have the hardest time with. When it comes to artwork it really has to speak to the client. I will bring pieces from one of the fabulous galleries in town and say this is what I see in this room—but if you don’t love it it won’t hurt my feelings. Artwork is subjective and hard, and lighting will create an ambiance in a room—it will highlight things. It is just very important to me. And it’s pretty. I am a big abstract art lover.
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Five of Beth’s must-haves for inspiration: 1. Edgy New Space I’m in the process of moving shop. Come Jan. 1, we are going to be at the Atherton Lofts. I need some new energy. I need a change of scenery with big windows and exposed pipes and a loft—and we can walk places for lunch. It’s exciting. 2. Morning Quiet I am an early riser. From 5:30 to 9 a.m. is my quiet, creative time. My days are chaotic with emails, text messages, phone calls, vendors, subcontractors—it’s constant. That early morning quiet is where I design rooms. 3. Pinterest I can’t do without Pinterest. We create design boards that to us makes perfect sense and everything is in our heads, but our clients need a bigger visual than that. Like we might find a color or tile sample, but if we find a room on Pinterest it’s helpful in the visual standpoint for clients. 4. Nespresso coffee with cream I’m a huge Nespresso fan. I’m a definitely a two-cup girl in the morning, and I take one at night. It doesn’t make me jumpy, it calms me down. 5. Music and Crime Dramas I need background music to work. Lately, I’ve been listening to Foo Fighters. Maggie Yackel, my right arm designer, and I are also obsessed with listening to crime dramas in the background. When we go out of town and we are held up in a hotel room working, crime dramas put us in a calm place where we can listen and create design boards. That’s our little thing.
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Visit the Atherton Lofts to see Beth Keim’s new space and to follow her blog with design tips and install details, go to lucyandcompany.com. For Keith Keim’s artwork go to keithkeim.com.
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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|straight talk
the color guru When it comes to paint, we call the expert by Allen Norwood
Sharon K Maney Realtor/Broker SKM PROPERTIES
336.549.1748 Sharon@SharonManey.com
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SEDGEFIELD ~ 509 Melbourne CT
A
customer comes into the paint store and asks, “Can you put semitransparent deck stain in an aerosol can?” Frank replies, “Sure.” The customer explains, “Great. I’ve got a place on my deck I just can’t get to. I can’t brush it—but I can spray it.” Sometimes, you just really need a spray can, whether you’re staining the deck, painting a speaker grill or brightening your holiday décor. And Frank can help with that. Frank, for those of you who don’t already recognize where this is going, is Frank Harrelson of Eastway Paint. His store’s online site calls him a color guru. That’s correct, but doesn’t reflect how much he has influenced designers, muralists and faux-finish artists over the years. Back in the ‘90s, when faux finishing was exploding in popularity, artists learned about techniques and materials from Frank. Designers explored nuances of color with his help. Back then, when I interviewed artists and designers working on showhouses, their
MLS# 3327590 ~ $787,000
Amazing Custom Built Home boasts Open Floor Plan with Gourmet Kitchen featuring Custom Built Wellborn Cabinetry, Huge Island with Granite Top and Tons of Storage, Butler’s Pantry with Wine Cooler and Walk-in Pantry, Dining Room with Designer Chandelier, Unbelievable Master Suite with Incredible Master Bath and Closet, 9’ Folding Doors Open to the Screened Porch & Backyard. All within 3 Miles of Downtown Charlotte. A Truly Must See Home. 5Bd, 3 Full, 2 Half Ba, 3,412 Sqft SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
SKM PROPERTIES homes.charlo+e.com
$275,000,000 Cindy Barnes Over in career sales (704) 367-7203
UNDER CONTRACT
Picture Your Home Sold Here! Quail Hollow for $600,000! 2900 sq.ft. with master down. Classic, modern, with the updates you want. 8300 Merrimack Court - MLS# 3322452 - $600,000
UNDER CONTRACT
Ronda Avenue MLS# 3264020
answers to questions often started this way: “Well, Frank....” So the other day, when the folks down the street joked about spray painting their faded window wreaths, I thought: “Well, Frank....” I called to see if he could, indeed, mix a paint to restore a faded Christmas wreath and fill a spray can with it. Sure, he said with a laugh. Or, say, if someone wanted to spray a centerpiece basket to match or complement the runner on her holiday table? Perhaps freshen up an antique wooden toy with just the right red? Absolutely. “We can handle any paint, solvent or water-based, in any sheen,” he said. A can costs $8.99 and arrives at the store precharged. Eastway adds the paint, which is extra. Each aerosol can holds about 4 or 5 ounces of paint. You could buy one of the small airless sprayers designed for DIYers. They work well after you learn a few tricks—be sure to clean thoroughly—but it’s pretty easy to spend $100 on one. I’ve also seen inexpensive disposable aerosol guns, sort of throwaway airbrushes, that pull paint from small glass jars. Reviews are all over the place. I’ve never used one but would welcome comments from
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someone who has. Lots of professional painters and other commercial users buy the spray cans from Eastway and its sister store, Rainbow Paint in Gastonia. Garage door installers, for instance, use them to touch up any nicks and dings with the same paint used in the factory. “The paint holds up better,” Frank said. “It’s a better paint than in most off the shelf spray cans.” Residential painters use them to paint items like speaker grills, which have small holes that a brush or roller might fill with paint. They buy paint for the walls, ceiling or woodwork and have a bit put into an aerosol can for small items. Anyway, sometimes you just need a spray can. Like that customer who asked about stain in a spray can, I have a couple of places on my deck that are hard to reach with a brush. In fact, I can’t even see the areas without standing on my head. The carpenter bees have found the unstained spots and made themselves at home. Turns out Frank’s a bee guru, too. Allen Norwood: homeinfo@charter.net
Don’t miss this one! Adorable Cotswold home with terrific updates, great style & a 2-car garage. 1103 Hulston Court - MLS# 3337344 - $425,000
$100,000 Builder opportunity in popular Stonehaven! Large lot, ideal for basement
Considering downsizing? Overwhelmed? If you need a place to start, call me for a practical, step-by-step approach.
HAND IT OVER Cindy.Barnes@allentate.com
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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|home & garden
take advantage of your landscape for holiday greenery by Nancy Brachey
M
aking the most of your landscape goes beyond its beauty display— it also means taking advantage of beautiful greenery, twigs and berries to decorate your mantel and tabletops. This is a way to give individuality to your house decorations, and it is not difficult. Many evergreens, and even some bare twigs, possess distinctive characteristics—an oddly bent twig, beautiful foliage
or a multitude of red berries. Look over your landscape closely, and you may be surprised at the range of choices. Many broadleaf evergreens, such as English laurel, camellias, various hollies, nandina and tea olive, possess beautiful foliage that is the right scale for vases and other arrangements. So are needleleaf conifers such as various junipers, Japanese cryptomeria, pine and Leyland cypress. These complement
The countdown is on for the end of 2017! And that means time is running out to take vantage of special year-end financing at Mr. Rogers Windows. You can choose one of our big discount plans or no down payment and 0% interest for up to 60 months! Hurry! Now is the time to get the highest quality replacement windows, the best-rated professional installation (no sub-contractors) and our exclusive, no-nonsense, lifetime guarantee. You’ll never worry about your windows, patio or entry doors again. Beat the new year price increase. And get an easy payment plan! Call (704) 445-7953 and schedule a free inspection, before this offer ends on 12/30/17.
Call or Visit Us Online for Your
FREE Window and Door Diagnosis
(704) 445-7953 StrongStableWindows.com *Offer valid between 12/1/17and 12/30/17. See store for details. Minimum purchase of a combination of 5 or more windows and doors required. Offer may not be combined, or applied to previous purchases. 0% APR during the life of the loan for qualified, approved buyers. Subject to credit approval. Fixed APR of 0.00% for 65 months. For each $1,000 financed, 5 months of $0.00 payments followed by 60 amortized payments of $16.67. Financing for GreenSky® consumer loan programs is provided by federally insured, federal and state chartered financial institutions without regard to age, race, color, religion, national origin, gender, or familial status. “Renewal by Andersen” and all other marks where denoted are marks of Andersen Corporation. ©2017 Andersen Corporation. All rights reserved. Expires Dec 30, 2017.
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A selection of greenery and berries makes a festive arrangement
broadleaf evergreens to make an elegant seasonal arrangement. Adding pine cones, glass ornaments or ribbon bows helps complete the look. Magnolia leaves look lovely on mantels—I especially like the small-leaf magnolia called Little Gem. Its size is just right for mantels, wreaths and tabletop arrangements. Some plants bring extra color with their nice shapes and texture. Nandina, for example, offers burnished red on its foliage. The popular variegated ligustrum brings green and white that can liven up a vase of flowers, such as red carnations. And don’t overlook such hardy plants as rosemary. This herb, which can be snipped easily without harming the plant, brings soft fragrance and a different color, gray-green, to an arrangement. Some gardeners even select plants for berry production. These include the Nellie Stevens holly, nandina and vari-
ous deciduous hollies. The deciduous hollies include winterberry, which has some named varieties such as Sparkleberry and Red Sprite. They bear copious amounts of red berries on leafless stems in December. They are pretty in the landscape and very useful indoors for decorations. As you gather leaves, herbs and stems, look for those in the best possible condition. That means the shiniest and freshest. Cut the stems longer than you expect to need and take them to a sink to wash the leaves, top to bottom. Keep the stems in a bucket of lukewarm water until you are ready to arrange them for your projects. Cut greenery in water lasts a long time, especially if kept away from heat sources. Cut stems that are simply placed on a mantel without water have a shorter life before wilting, so it is best to delay placing them until you are ready for a gathering.
Ask Nancy Q: . How often should I water the poinsettia that came as a gift last week? A: Often enough so that it does not dry out and allow leaves to wilt. They will likely turn yellow as a result. Check the plant every other day by touching the top of the soil to check for dryness. If it feels dry, water it now. Put it in a sink and let water flow through the root zone. As you do this, you will learn how often it needs water, perhaps every four or five days. Often that depends on how close to a heat source the plant is located. The warmer the place, the faster it dries out. Nancy Brachey: nbrachey@charlotteobserver.com
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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Chestnut at Blowing Rock 364 Chestnut Drive, Blowing Rock, NC 28605
Classifieds The Place to Sell and Buy, To Find Jobs, Cars, Real Estate & More!
chestnutatblowingrock.com Ashley Hutchens and Jerry Hutchens 828.964.5438 ashley.hutchens@premiersir.com jerry.hutchens@premiersir.com
704-358-5555 www.charlotteobserver.com Real Estate
Mountain Property for Sale
Quiet clean Room. Cable. Washer/Dryer. Kitchen privileges. $135 per week. 704.891.1670
Reader Notice - All Real Estate advertised herin is subject to the Federal Fair Housing Act which makes it illegal to indicate any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation or discrimination. We will not knowingly accept any advertising for Real Estate which is in violation of this law. All persons are hereby informed that all dwelling advertised are available on an equal opportunity basis. If you believe that you may have been discriminated against in connection with the sale, rental or financing of housing, call: The United States Department of Housing and Urban Development (HUD) at 1-800-669-9777.
Farms/Acreage
5BR/LOG HOME/7.1 ACRES W/ VIEWS IN BLUE RIDGE MTNS $349,900 joancollins@graysonmountainrealestat e.com 276-233-5494 BLUE RIDGE PARKWAY ESTATE Laurel Sprgs NC. 22 acres. 3BR/2B home. 40x60 shop. Gazebo. Trails. Direct access. Ponds. WON’T LAST LONG! $659,000 appele@wilkes.net 336-973-8500
Lots for Sale Many Lots for mobile or modular homes. Some with well and septic. Low DP. EZ terms. Any Size. Bryant Realty 704-567-9836 www.bryantrealty.org
Lake Property for Sale LAKE KEOWEE, SC - Cliffs community property 5Br/4Ba, gated, 1+acres, deep water, dock w/hydraulic lift, like new, $799,000. 864-270-7050 LAKE WATEREE HOME FOR SALE BY OWNER 2bed/2ba,home on cove, fireplace, open concept, wood floors, granite counters, Screen porch, 2 decks, dock, det garage. 1.9 acre fenced lot. $319,900, call for appt. 843-200-2517 $319,900 joko30@aol.com 843 -200-2517 LAKE WATEREE/LUGOFF side deepwater lot w/elecrical, septic & water on site, dock permit more than 350ft of lake frontage. $158,000 864-270-7050
Mountain Property for Sale
Roommate Wanted
HUNTING LODGE/ 171 GAME-FILLED AC IN BLUE RIDGE MTNS. ($1.2 MIL) joancollins@graysonmountainrealestat e.com 276-233-5494 MOUNTAIN INVESTMENT 10 condos, 8 2BR 2BA, 2 3BR 3BA at Mount Mitchell Golf Club, $120,000 gross income/year, Close in Spring/2018 for full rental year, Possible owner financing. Call and leave message, $1,320,000, 828-675-4923 YOUR NEW MOUNTAIN HOME A log home in the Powder Horn Mountain gated community, 3BR,3B on 1 acre of forest. Come on up and "sit a spell" to fall in love with the home where I live. $289,000 earl.trotter73@gmail.com 760-405-7373
Southwest Meck — Rent
FARM LAND 40 acres, Center Rd. Hwy 97, Chester, SC lots of timber, pond, house needs lots lots of work, $100,000 336-391-6327 FSBO 2 FAMILY MINI FARM Western York County, SC 803-925-2306
OUTSTANDING, peaceful babbling creek with 200 feet of sandy beach, 2 flat acres , very private backyard, close to town, $39,900 fin. avail. 704 535 4100
Commercial Real Estate for Sale COMMERCIAL REAL ESTATE AUCTION TAYLORSVILLE NC SATURDAY DEC 16TH 12 NOON 636, 668 AND 696 HWY 16 S., TAYLORSVILLE, NC 28681 ALEXANDER COUNTY PID’S: 08911, 07647,08008, 08007 (All Offered as 1 Unit) 5.9+/Acres with 408’ Road Frontage on HWY 16 S. Zoned Business "B2" AuctionZip.com ID=23287 Horace B. York Inc (336-682-1648) HBYorkJr@BellSouth.net NCAL 6191 York Auction & Realty NCAL 952
Commercial Real Estate for Rent/Lease Exit 28 and Hwy 21 Office space, high exposure, 1600sq ft+, $1,700/mo, new paint, new interior, new carpet Lake Norman Realty First 704-578-9610
4 BR (1 1st, 3 upper)2 full baths (garden tub), front & back yards, close to I-77 & I-85, all elect, carpet, quiet area $950+security 704-307-5744
Apartments for Rent AFFORDABLE APARTMENTS 2 & 3 Bedrooms starting @ $ 695/mo. Hardwoods, central air, appls, W/D hookup, ceiling fans, gas heat. 2814 Marlowe Ave. 704-393-8047
Subscribe 800.532.5350
UNMATCHED VIEWS. UNPARALELLED LIFESTYLE. Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas. LOCATED ON THE BLUE RIDGE PARKWAY atop the Eastern Continental Divide in the idyllic village of Blowing Rock, North Carolina awaits Chestnut at Blowing Rock – a private enclave of 23 single-story luxury residences surrounded by lush natural scenery, unmatched views and modern conveniences. Redefining luxury living, Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas of Moses Cone Memorial Park and Grandfather Mountain State Park. The quaint and charming shops and restaurants of Main Street are steps from your door. Discover elegant living in a casual setting at Chestnut at Blowing Rock.
Rooms for Rent 197 AC. W/ 5000+ FT FRONTAGE ON TROPHY TROUT STREAM-HISTORIC FARM W/ LOG HOME $1,599,999 joancollins@graysonmountainrealestat e.com 276-233-5494 FSBO Beech Mountain Lots $10,000$55,000. Estate Sale - 45 Beech Mountain Lots $750,000. Club Memberships Available. Call 843-651-4545
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AFFORD WEEKLY Rental $199+ tax Micro/Fridge, 70+ Channels Fast WiFi, Mrng. Coffee, Maid/Linens Self Laundry Royalinncharlotte.com Bus Rt. 5 (Sprinter)*Call: 704-394-1819
Sotheby’s International Realty® and the Sotheby’s International Realty logo are registered service marks used with permission. Each office is independently owned and operated.
SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 9, 2017
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LIVE EPIC Linville, North Carolina | premiersir.com/id/39202752 | 828.898.5151
The location, the style, the feeling you get when you walk through the door – every aspect of your home should be a reflection of who you are, where you’ve been and the life you aspire to live. Your best life begins with a home that inspires you. Call us today and let us find your inspiration. 877.539.9865
Asheville | 828.277.3238 Banner Elk | 828.898.5022 Blowing Rock | 828.295.0776
Charlotte | 704.248.0243 Lake Norman | 704.727.4170
Linville Ridge | 828.898.5151 Uwharrie Lakes | 704.727.4170
PremierSothebysRealty.com
Sotheby’s International Realty® and the Sotheby’s International Realty logo are registered service marks used with permission. Each office is independently owned and operated. Equal Housing Opportunity. Property information herein is derived from various sources including, but not limited to, county records and multiple listing services, and may include approximations. All information is deemed accurate.
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