home|design, December 30, 2017 by Charlotte home

RESORT CLUB GRAND OPENING THIS WEEKEND!

6 MODEL HOMES & 30,000 SQUARE FOOT RESORT CLUB OPEN DAILY! TOUR TODAY!

55+ LIVING by Shea Homes

CALL 855.000.0000 55+ TRILOGY ® LAKE NORMAN West Lake Norman | Mid $200s | TrilogyLife.com/LakeNorman Trilogy® is a registered trademark of Shea Homes, Inc., an independent member of the Shea family of companies. Sales By: Shea Communities Marketing Company (#C25840), Construction By: SHALC GC, INC. 75061, Equal Housing Opportunity. Shea Homes’ Trilogy Lake Norman is planned to be an age-restricted community intended for occupancy by at least one person age 55 or over with select neighborhoods intended for occupancy by people of all ages. This is not an offer of real estate for sale, or a solicitation of an offer to buy. Void where prohibited. © 2017 Shea Homes, Inc. All rights reserved.

Quick Move-in Homes Caldwell Farms | Charlotte, NC Single Family Homes from the low $200s

• Homes feature three to six bedrooms, two to four bathrooms and range from 1,408 sq ft to over 3,000 sq ft • Incredible location and quiet setting off Caldwell Road, close to Harrisburg and offering convenience to University area employers and I-485

HOMESITE #

BED/BATH/ GARAGE

SQ. FT.

SALE PRICE

Tryon J

5/3/2

3,052

$299,310

Belhaven K

3/2/2

1,892

$267,585

Landrum B

4/3/2

2,616

$280,860

PLAN

• Reedy Creek Nature Center, Preserve and Park offers over 832 acres of outdoor experiences only 2.5 miles away For more info, please contact:

CalAtlanticHomes.com

Yolanda Burney | Yolanda.Burney@CalAtl.com Phone: 704.209.4644

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. 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.

S AV E O V E R $40,000* ON MOVE-IN R E A DY HOMES!

S TA RT YO U R N E W Y E A R I N YO U R N E W H O M E !

MOVE IN QUICKLY! Make your move now to get $3,000** in closing costs and savings worth $1,000’s!* You’ll start the new year in a stunning and spacious new home that fulfills your wish list. Act now to save big on your dream home! Cedarvale Farm | Harrisburg Homesite 32 | The Bridgeport 630 Iron Horse Lane 3,365 Sq. Ft. 5 Beds | 4 Baths WAS: $378,990 NOW: $334,900 Greenbrier | Waxhaw Homesite 163 | The Providence 1501 Allegheny Way 3,201 Sq. Ft. 4 Beds | 3 Baths WAS:$362,340 NOW:$354,990

Highclere | Weddington Homesite 6 | The Inverness 121 Highclere Drive 4,287 Sq. Ft. 5 Beds | 4.5 Baths WAS: $749,900 NOW: $699,990

Marvin Chase | Ballantyne Homesite 8 | The Bridgeport 15008 Sapphire Hill Lane 3,365 Sq. Ft. 5 Beds | 4 Baths WAS: $557,990 NOW: $514,990

Wyndmoor | Marvin Homesite 1 | The Newport 103 Barlow Street 4,679 Sq. Ft. 5 Beds | 4.5 Baths WAS:$729,990 NOW:$699,990

Hollybrook | Mooresville Homesite 20 | The Chartwell 129 Rain Shadow Drive 3,536 Sq. Ft. 4 Beds | 3.5 Baths Unfinished Basement WAS:$479,990 NOW:$469,990

Olde Stonegate | Mint Hill Homesite 17 | The Arundel 8745 Mullis Forest Court 2,624 Sq. Ft. 4 Beds | 3 Baths $349,990

Johnson Manor | Mooresville Homesite 55 The Eden Townhome 100 Boxtail Way 1,693 Sq. Ft. 3 Beds | 2 Baths $219,939v

Find more savings at CenturyCommunities.com/NorthCarolina *Savings calculated from original listing prices and vary by home. **Savings and closing costs valid on specified homes and valid until 1/30/2018. Savings vary by community and homesite. See sales consultant for full details. Closing costs credit requires use of builder’s preferred lender and closing attorney. May affect maximum financing. Offers vary per community and cannot be combined with any other offer. See a sales representative for details. Price, plans and terms are effective on the date of publication and subject to change without notice. Depictions of homes or other features are conceptual. Persons in photos do not reflect racial preference and housing is open to all without regard to race, color, religion, sex, handicap, familial status, or national origin. ©12/2017 Century Communities.

BLOWING ROCK | 7 56 THUNDERHILL TRAIL | F IRETHORN

ASHLEY HUTCHENS Broker Associate

828.964.5438

AshleyHutchens@gmail.com

This exquisitely new, Todd Construction home is located on a large level lot in the beautiful gated community of Firethorn. The gourmet kitchen includes: 48” Wolf duel-range, 42” Sub-Zero refrigerator, wine cooler, ice maker, keeping room with Treplace, all with rich wood tongue-&-groove ceilings. The great room has a soaring wood cathedral ceiling and a massive stone Treplace. The fantastic covered deck with Treplace is an entertainer’s dream. Enjoy the main-level master suite with a stone Treplace, spacious adjoining ofTce with Treplace and large master bath with heated Soors. Equipped with a media or ofTce and huge bonus room upstairs. The 800 sqft partial basement has endless opportunities. MLS# 39204999 | 4BD, 4.5BA | 5,939 SQFT | 1.06 ACRES | 3 CAR GARAGE | 8FT DOORS | $1,890,000

Chestnut at Blowing Rock 364 Chestnut Drive, Blowing Rock, NC 28605 chestnutatblowingrock.com Ashley Hutchens and Jerry Hutchens 828.964.5438 ashley.hutchens@premiersir.com jerry.hutchens@premiersir.com

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.

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.

UNMATCHED VIEWS. UNPARALELLED LIFESTYLE. Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas.

98.5%

AVERAGE LIST PRICE TO SOLD PRICE FOR ALL SOLD LISTINGS

$275,000,000 Cindy Barnes Over in career sales (704) 367-7203

Picture Your Home Sold Here! New construction! Great Arboretum location w/ lake views! Beautiful finishes. Top Schools. 9121 Kristen Lake Ct. - MLS# 3345731 - $800,000

UNDER CONTRACT

Ronda Avenue MLS# 3264020

Donâ&#x20AC;&#x2122;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

3.75% INTEREST

3.99% APR PLUS

ZERO CLOSING

COSTS*

WHAT ARE YOU WAITING FOR? For a limited time, save thousands and enjoy a 3.75% interest rate, 3.99% APR, and zero closing costs when you purchase a quick move-in home during our Made to Move Savings Event. Already under construction – with floorplans, fixtures, and finishes expertly selected by our in-house designers – these select homes offer a simplified building process, making it possible for you to move in much sooner. And as with every Mattamy home, these quick move-ins feature the thoughtful design, quality, and value that have helped us become North America’s largest privately owned home builder.

For more information, visit MattamyHomes.com/Charlotte or your nearest Sales Center. *All pricing, availability and plans are subject to change without notice. Values and incentives vary by home, homesite and delivery date. Buyer must close on or before 12/22/17 and obtain mortgage with Mattamy Home Funding. Mattamy will pay all closing costs up to allowable limits determined by loan program. Interest rate of 3.75% / 3.993% APR for an owner occupied 30 year fixed rate conventional loan program with 10% down on a purchase price of $300,000 and total loan amount of $270,000. Upon completion of the application package our preferred lender Mattamy Home Funding, LLC, NMLS #64022 or your selected lender of choice will provide you a Loan Estimate with detailed costs of the mortgage transaction. This is not a commitment to lend, nor is it a rate lock, pre-qualification or pre-approval. Closing and settlement costs, reserve deposits, interest rate and APR are subject to change and the estimates shown above may be more or less depending on factors such as but not limited to: down payment, property type, and occupancy. Housing costs will vary depending on but not limited to: location, homeowner’s association dues, local and state fees, taxes, and hazard and mortgage insurance. The above fee information above is based on a credit score of 740. All loans are subject to underwriting and loan qualifications of the lender. Services are not available in all states. Rates, terms and conditions offered are subject to change without notice. Offer void where prohibited or otherwise restricted by law. Limited time offer, additional restrictions and limitations may apply. Visit Sales Center and see a Mattamy New Home Counselor for full details. E.& O.E. Builder CBC1253657

C H A R L O T T E

home design - dedicated to showcasing charlotte’s distinctive homes -

2018 Issue Focus Calendar JANUARY

FEBRUARY

UPTOWN CHARLOTTE

PROVIDENCE ROAD

TEGA CAY, SC

DENVER

SOUTHPARK

17 PLAZA MIDWOOD ~ NODA

27 CRAFTSMAN STYLE HOMES

24 EUROPEAN INSPIRED HOMES

APRIL

MAY

MARCH 3 10 17 24 31

DILWORTH MOORESVILLE FORT MILL, SC ELEGANT ESTATES HILTON HEAD, SC

JUNE

BALLANTYNE

SOUTH CLT COUNTRY CLUBS

LAKE NORMAN GOLF

MYERS PARK

21 EASTOVER, ELIZABETH, CHANTILLY

LAKE WYLIE

28 WILMINGTON ~ WRIGHTSVILLE BEACH

26 HIGH COUNTRY NC MOUNTAINS

2 THE POOL ISSUE 9 MARVIN ~ WAXHAW 16 CORNELIUS 23 UPTOWN HIGH RISES 30 NC BRUNSWICK ISLANDS

JULY

AUGUST

SEPTEMBER

THE CONDO ISSUE

WEDDINGTON

DAVIDSON

28 HIGHLANDS ~ CASHIERS

URBAN BOOM

11 THE CARMEL CORRIDOR 18

HUNTERSVILLE

GOLF GETAWAYS

OCTOBER

NOVEMBER

THE UPTOWN WARDS

HISTORIC HOMES

CUSTOM BUILT HOMES

THE BOOMER ISSUE

UNION COUNTY

TOWNHOMES

THE GRAND STRAND

27 CAROLINA GREAT LAKES C H A R L O T T E

home design - dedicated to showcasing charlotte’s distinctive homes -

Charlotte’s Premier Real Estate Publication Viewed by 339,500 Readers Weekly! All issue themes are subject to change.

1 8 15 22 29

COTSWOLD YORK COUNTY, SC MATTHEWS LAKE NORMAN ASHEVILLE, NC

DECEMBER 1 THE BUNGALOW ISSUE 8 BELMONT~CRAMERTON~MCADENVILLE 15 EQUESTRIAN, FARMS & LAND 22 RISING STARS ~ TOP 10 29 HIGH COUNTRY NC MTNS

For more information & advertising options, contact Buck Brice (704) 358-5454 BBrice@CharlotteObserver.com

Classifieds The Place to Sell and Buy, To Find Jobs, Cars, Real Estate & More!

704-358-5555 www.charlotteobserver.com Real Estate 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.

Lake Property for Sale 2 mi. view of LKN, from a quiet, dead end cove, close to Publix & dining, 0.58 ac, 90 ft waterfront, fenced yd, pier, 3Br/1.5ba, $589k, no agents. 704-742-6668 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/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

Farms/Acreage

FSBO Beech Mountain Lots $10,000$55,000. Estate Sale - 45 Beech Mountain Lots $750,000. Club Memberships Available. Call 843-651-4545

Easy to navigate. charlotteobserver.com

MOUNTAIN FARM Borders National Forest.Creek, spring, pond.New woven wire fence/electric watering boxes.Quiet,yet conveniently located 5 min. from I-81 Draper,VA. 62 acres.276-233-4302 HUNTING LODGE/ 171 GAME-FILLED AC IN BLUE RIDGE MTNS. ($1.2 MIL) joancollins@graysonmountainrealestat e.com 276-233-5494

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

Commercial Real Estate for Rent/Lease Lake Norman Exit 28 Office space, high exposure, 1600sq ft+, new paint, new interior, new carpet. - $1,600/mo, LKN Realty First 704-578-9610

GARDENING. You want to know.

Rooms for Rent

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

Roommate Wanted AREA 3 Room to Share $450 + Dep. 704-536-3813

QUIET CLEAN ROOM. Cable. Washer/Dryer. Kitchen privileges. $125 per week. 704.891.1670

Manufactured Homes 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

CONCORD 2BR, 2BA, LG FAM RM & KIT. VERY CLEAN & MODERN. QUITE AREA. $690 rent+ dep. crd/crm ck carolyns343@gmail.com 704-701-6440 MOBILE HOME For Rent, Seniorâ&#x20AC;&#x2122;s Community, 55 yrs & Older, Redecorated, Appl Furnished, Water Furnished, No Pets, No Children 704-301-0588 Or 704-606-3625

Farms/Acreage 5BR/LOG HOME/7.1 ACRES W/ VIEWS IN BLUE RIDGE MTNS $349,900 joancollins@graysonmountainrealestat e.com 276-233-5494

ALL BY ITSELF, 4.2 acres, spring fed creek, 1006 feet road frontage!! Open + Wooded, $47,900 financing available. 704 634 5531 corners well marked

Easy to navigate.

charlotteobserver.com

Mortgage Guide Institution

30 yr APR

3.755%

The Charlotte Observer

30 yr Fixed

Product

Rate

Rate: 3.750

15 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 PrequaliHcation Letters and Rate Quotes 7 days a week

30yr Fixed

Mecklenburg Mortgage

APR

3.661% APR

3.629% APR

% Down

APR

Phone Number / Website

3.500

0.000

$885 5%

3.550

Points: 0.125

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.abbaHrst.com

% Down: 5%

Doing business HIS way. No cost option for Conv VA FHA USDA

Rate: 3.625

15 Yr Fixed

3.000 0.000

3.022

Points: 0.000

7/1 Arm

3.000 0.000

3.033

Fees: $0

LOCAL IN CHARLOTTE FOR 30 YEARS! OPEN SATURDAYS! A+ BBB RATING!

% Down: 5%

FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS!

NMLS # / License #

NMLS #: 1190352

20 yr Fixed

30yr Fixed

Best Rate Mortgage

Fees

Rate: 3.625

30yr Fixed

ABBA First Mortgage, Inc.

Points

LIC# 161067

NMLS# 74184 LIC# 132884

NMLS #: 103395

704-529-1233 www.bestratemtg.com

Savings Update

How will my CD earnings be taxed? By Sabrina Karl

With the year winding down, the start of tax preparation season is just weeks union applies the interest. Typically, that will mean four quarterly or twelve away. That means employers, banks and investment firms will soon be sending monthly interest payments throughout the year. you (and the IRS) forms indicating what you earned with them during the year. Each institution will then combine all of the interest payments into a lump sum If you owned any certificates of deposit in 2017, you’ll be included in these for the calendar year, and will report this to you on a 1099-INT form. Whether January mailings. That’s because CD earnings are considered “interest the CD is still open or has matured will have no bearing on the tax obligations income”, making them taxable in the same way as interest earned from savings for that year. or money market accounts. One exception is CDs opened within an IRA account. Because the same rules But some savers wonder when CD earnings become a taxable event. Does apply to all IRA investments, interest earned on retirement CDs is not taxable it matter if the interest compounds within the certificate versus being paid to until the funds are dispersed post-retirement. a linked account? Does it depend on when you cash out the CD or when it Whether you own one certificate or a portfolio of dozens, the tax implications of matures? CDs are straightforward, and unfazed by any attempt to strategize your timing. The answer is generally no, none of those things will have an impact on your So invest your CD funds whenever it makes good sense for you, and let your tax liability. Simply put, CD earnings become taxable when the bank or credit bank help you do the simple tax math in January. Rate Criteria: The rates and annual percentage rate (APR) are effective as of 12/26/17. 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.

LIVE TIMELESS

Zionville, North Carolina | premiersir.com/id/39207614 | 828.295.0776

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

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.