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of of the the

T H E CHARLOTTE

A R T I S T R Y

Bear Creek at Palisades

O F

H O M E®

HUNTERSVILLE

Beckett Single Family

Starting in the mid $200’s 704-332-3335

Single Family Starting in the low $400’s 704-588-9266

Starting in the upper $200’s 704-948-3222

Brightwalk Townhomes

FORT MILL, SC

MOORESVILLE

Brightwalk Single Family

Starting in the $150’s 704-332-3335

Brightwalk Metro Townhomes Starting in the $200’s 704-332-3335

Chapel Cove Single Family Starting in the low $300’s 704-583-5299

Austin’s Creek at Palisades Single Family Starting in the mid $200’s 704-588-3146

Eppington Single Family Starting in the low $400’s 803-802-0061

The Forest at Fort Mill Single Family Starting in the upper $300’s 803-396-7899

Springfield Single Family Starting in the upper $400’s 803-547-0093

Byers Creek Single Family

Ladera Single Family Starting in the mid $600’s 704-609-2721

Coming Soon! Call 800-787-0414

Starting in the mid $200’s 704-696-2686

Inverness on Providence

WAXHAW

Vintage Creek

Weddington Trace Single Family Starting in the low $400’s 704-843-4163

Tuscany Single Family

Starting in the low $300’s 704-458-9160

standardpacifichomes.com

Waxhaw, NC Starting in the upper $300’s

Weddington, NC Starting in the upper $500’s

Davidson East

Davidson, NC Starting in the mid $200’s - $500’s

Brayden

Fort Mill, SC Starting in the upper $200’s - $500’s

Prices, plans, and terms are effective on the date of publication and subject to change without notice. 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. 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.


As the season closes we settle with family, with friends. Together, we rejoice in the company and comfort of those we hold dear. A time for and reflection and resolution: We share our stories. Reminiscences bring tears, often of laughter. Hands meet. Eyes soften.

There is much to be thankful for. Not the least that every New Year brings with it the promise of 365 brand new beginnings.

HERE’S WHERE TO FIND US IN THE NEW YEAR. S HELLY

S W

WOODS

CASTLEBROOKE

BELMONT

CHARLOTTE

CHARLOTTE

CONCORD

INDIAN LAND

SALES CENTER:

SALES CENTER:

SALES CENTER:

SALES CENTER:

SALES CENTER:

2048 Middleton Farms Drive Belmont, NC, 28012

14836 Brotherly Lane Charlotte, NC, 28278

4526 Hubbard Falls Lane Charlotte, NC, 28269

3329 Helmsley Court Concord, NC, 28027

Parkside at

HUNTERSVILLE

HUNTERSVILLE

MOORESVILLE

MOUNT HOLLY

SALES CENTER:

SALES CENTER:

SALES CENTER:

SALES CENTER:

15204 Skypark Drive Huntersville, NC, 28078

11305 Warfield Avenue Huntersville, NC, 28078

109 Waterlynn Club Drive Mooresville, NC, 28117

109 Fielding Street Mount Holly, NC, 28120-9662

3510 East Sandy Trail Indian Land, SC, 29707

CONTACT ONLINE NEW HOME SPECIALIST LAURA O’BRYANT

980-253-2792 info.carolina@mattamyhomes.com

FOR MORE INFORMATION ON OUR COMMUNITIES VISIT US AT MATTAMYHOMES.COM CHARLOTTE

BUILDER OF THE

YEAR

Follow us:

SALES CENTER HOURS: Monday - Saturday 10am-6pm, Sunday 1pm-6pm Mattamy Homes Limited. Builder’s License # 47524


REIMAGINE REINVENT REJUVINATE HOME

SERVICES

DIRECTORY

KEEP THIS DIRECTORY HANDY FOR THE BEST LOCAL HOME SERVICES BEAUTIFUL LONGLEAF

HOME DELIVERY JIMMY’S PINE STRAW COMPANY

1376081-01

WE DELIVER AND SPREAD

803.366.6999 850 RED RIVER RD., ROCK HILL, SC

To advertise on this page call 704.358.5555


F Featured eatured P Properties… roperties…

MO OORESVILLE ORESVILLE 124 MILLEN DR

Beautiful Brand new Home qualifies for $271,900 first time home buyer Program

111 MILLEN RD.

Ask about my $1500 total down program $186,990

414 ALMORA LOOP

Brand New Homes Ask about my little to $279,000 know money down program

HD ITOUR WWW.LKNEXCLUSIVE.COM

Fulfill the Lake Norman dream you deserve

$1,259,000

btle sound of waves or the peacefulness of lakefront living are It’s all about lifestyle - If panoramic main channel views, waking to the subtle the backdrop to your Lake Norman dream home, then welcome to 3554 Governors overnors Island Drive. A stunning Tony Forouzad custom lakefront home in the exclusive, but discreet gated community of Governors rs Island. CLTLUXURY.LIFE

Scott Russo 704-421-0706

3635 MELICA DRIVE

Waterfront New Construction

$835,000

18310 JOHN CONNOR ROAD - PENINSULA

New Construction - Peninsula Area $720,000

18322 JOHN CONNOR ROAD - PENINSULA

18404 JOHN CONNOR ROAD - PENINSULA

New Construction - Peninsula Area

New Construction - Peninsula

$700,000

$849,000






SouthPark Associate of the Year Over $20,000,000 in sales in 2013.

4052 Arborway – $960,000 Fabulous outdoor living in Foxcroft. Pool, covered deck w/fireplace. Sleek, renovated kitchen & master suite. MLS#2216113 R DE CT UN TRA N CO

1485447-02

4100 Oldfield Road - $450,000 Fall makeover! Kingswood home on pretty street w/fresh paint, flooring, landscaping, plus recent roof, furnace. MLS#3049054

3500 Carmel Road - $450,000 Top to bottom, high-end renovation of post-modern ranch in great location. MLS#3042875 R DE CT UN TRA N CO

9615 Deer Spring Lane - $325,000 Brick beauty in close-in Cameron Wood. Open floor plan w/hardwoods, sunroom & bonus. Swim/tennis neighborhood. MLS#3022988

4721 Ashridge Drive - $289,000 The work is done! Updated & freshened: Complete kitchen reno - cabinets, granite, backsplash, Bosch appliances. MLS#3043502

HAND IT OVER.

cindy.barnes@allentate.com • 704-367-7203


Make your move to Mooresville…

CUSTOM HOMES | RENOVATIONS

Set among gently rolling hills and pine forests along the shores of Lake Norman, The Farms offers residents space and plenty of mature trees to enjoy the surroundings in privacy. Let Cyras Custom Homes build your dream home at The Farms. Neighbors become family here. Family activities at The Homestead amenities center are part of everyday life. The Olympic sized swimming pool, tennis courts, activity fields, playground and picnic areas, and a full-time activities director keep the fun going year-around. The Farms is close to the crossroads of I-77 and I-40 in Iredell County. You’ll enjoy the best aspects of living in southern Iredell: lower property taxes; excellent schools; and a variety of unique entertainment opportunities are available in the immediate area.

597 McKendree Road • Model Home • $699,000

1503526-01-1

Model home for sale!! Many upgrades- light fixtures, granite, carpet, back covered patio w/the fire place & extended paverd area for the entertainment. Designer color & decorative painting w/extensive moldings & ceiling designs. Open floor plan w/office & full bath on main, extra study/ play or hobby room on the main level. 1.2 acre flat lot

Presented by: Kokila Kumar

Broker/ Realtor NC & SC Allen Tate Realtors

704-264-7280

www.kokilakumar.com


F Featured eatured P Properties… roperties…

MO OORESVILLE ORESVILLE CLAREMONT, NC 28610

6.8 ACRES ON LAKE NORMAN - MOORESVILLE

Gated Private Estate on 6.8 acres

$1,390,000

21530 SANDY COVE ROAD

Waterfront Custom Home

$1,099,000

7+ Acres

$339,000

119 KEATS ROAD - LAKE NORMAN

Mooreseville, NC 28117

$739,900

160 LAVENDER BLOOM LOOP

Lake Living at Affordable Price

$319,900

115 TALBERT TOWN LOOP, MOORESVILLE

Mooresville, NC 28117

$129,900


MOORESVILLE ...whatever YOUR interests ~ it’s here! Home ownership for every need - waterfront, lake access, amenity, golf, even Airpark homes. Live/work condos, plus rural areas with large lots. Located just 25 minutes north of Charlotte & Airport. Mooresville crosses over the beautiful Lake Norman on I-77 and Hwy 150W. Great Schools - renowned Mooresville Graded system, highly rated Iredell County, International Baccalaureate program, 2 Charter schools & private school options. 2 Public golf courses and Trump National Golf Club, Charlotte. Lakefront entertainment and 4 Public Lake Access Points to boat, fish, tube or water ski. Outdoor Parks & indoor Rec Centers, youth sports leagues, plus avenues for soccer clubs, indoor basketball/volleyball courts, lighted baseball fields, swim teams, batting cages, an indoor shooting range & even indoor Go-kart racing! Downtown Mooresville Arts Depot, shops, restaurants & free outdoor concert series. “Race City USA” is home to Nascar race teams/shops & the Nascar Technical Institute. A shopping mecca - Super Centers, wholesale Clubs, National chains & Boutiques. Diverse dining & food - upscale to classic BBQ, even a Fresh Farmer’s market. Hospital and Medical Parks

704-724-6726

We SOLD 95 homes & over $32 million in 2014 Call us to help YOU!

View our Mooresville & other listings at www.MonicaBesecker.com

Mooresville Waterfront 2 BR, 2 Bath Lake House Unfin bsment, Screen Porch, Pier, Dock, Slip mls 3035047

Mooresville Lake community with day slips & Playground, Granite, SS, HW flrs, Deck, Patio & Firepit mls 3032005

Mooresville Gated Waterfront Fenced, Bsmt/2nd Living Qtrs, 2 Beaches, 2 slips, Lift, Pier, Outdoor Shower mls 3023308

Mooresville Water View Bsmt/2nd living qtrs, SS appl, HW flrs, Spa pool & Hot Tub, Fenced yard mls 3010428

Mooresville - no HOA Space for RV, Full brick, SS appl, Hw floors, Pergola, Hot Tub, near Marina mls 3042435

Sherrills Ford Waterfront Bsmt/2nd living qtrs, 2 Granite kitchens, Pier, Covered lift, Slip, Jet Ski lift mls 3049408

Mooresville Waterfront HW flrs, SS appl, Wheelchair accessible, Unfin walk-up attic Pier, Dock, Slip mls 2217410

Gated Luxury Home & Guest House on 10.75 acres. Each has SS, Porch, Private patio, Office, Built-ins, FP mls 3044639

Terrell Waterfront Bsmt/2nd Living qtrs, SS appls, vaulted ceilings, Decks, Screen Porch, Pier, Dock mls 2167970

Luxury Home Certified

Mooresville/Lake Specialists

monicabesecker@kw.com ~ Your needs become our Goals!



Realtor Group

w w w . R o b i n K i n g R e a l t o r. c o m “Tell me your story, I’ll write the next chapter.” (803) 526-1225

Tell us your story at today's Open Houses OpEn HOUSE SAT 2-4pM

ROBIN KNOWS DIRT!

13424 SAGE THRASHER LOT LAKE WYLIE WATERFRONT 9.54 ac THE SANCTUARY. $925,000 The Glynns at Carolina Crossing OpEn HOUSE SAT 2-4pM Lots on pond $39,000 and $34,000, interior lot $31,000 959 Barrett Rd, Clover. 7.74 beautiful acres pasture and woods. $80,000 • LAKE WYLIE WATERFRONT Canoe Lots.3026 & 3027 2916 Hickory Heights Rd, Hickory Grove. 6940 MOnTGOMERY Rd Lake wylie River Willow Breeze. $55,000 each. cabin enjoyed for generations, big water beautiful ranch on 8 acres w/oversized • Fishing Creek Lake, Waterview w/dock, sunroom, basement. $465,000 garage and 2 out buildings. $195,000 lot Jackson Rd. $30,000 OpEn HOUSE SAT 2-4pM • LAKE WYLIE Cooks Cove 5975 Morning Star 4.5Acres $65,000 • Whispering Pines, York SC. Multiple farm lots 7 min. f/ Lake Wylie 5+ acres starting $95,000 • Falls Rd, Rock Hill 127 acre 1151 LAncASHiRE dr. indian 6635 Little branch, campbell crossing Southern Farm w/pastures Land Stunning 2 yr. young brick n’borhood. Recreation paradise w/ and stone just outside ballantyne indoor pool, detached workshop, and pond $1,916,850 4518 Summerside dr, in Lake wylie’s Somerset 2237 iron works dr., Mill creek Falls at Autumn cove w/water views..5bR, 2 masters, in Lake wylie.4bR w/bonus, huge new kitchen. $235,000 lovingly upgraded and maintained. $395,000

on 1 acre. $529,900

clover Schools $390,000

OpEn HOUSE SAT 2-4pM

1331 YORkdALE, ROck HiLL, country living on 1.9 2616 MEAdOw Rd. clover 6795 cAMpbELL Rd in York’s premier acres in the woods just 30 min f/charlotte w/detached Equestrian estate on 29 acres with equestrian community, campbell crossing. garage w/unfin bonus and screened porch! $230,000 pastures and new barn. $437,000 Mini farm w/barn, pastures 3.2 acres. $310,000

OpEn HOUSE SAT 2-4pM

1498379-01

ESTATES AT GLEnMOOR HiSTORic YORk, S.c. new 5835 kREpS Rd, clover Equestrian 1444 cROSSLAnd, clover country Estate on 7.25 acres Estate on 12 acres, 8 barns, w/big barn, cute cottage and pool. custom crafted details construction! $240-$265,000 3225 Sage is ready, 3616 Ashlyn way and decorated like a Southern Living Magazine. $455,000 & 3416 Aurore are under way, or pickyour lot and your plan! 9 pastures, amazing! $445,000

Visit us on

Robin-King-Realtor-Group

See property videos on

by address


New Year. New Lifestyle.

Resolve to live maintenance free and make now the time of your life.

At NewStyle Communities, we believe time is the biggest gift we can give ourselves. Time to spend with our children and grandchildren. Time to travel. Come find out about how our award-winning, smartly designed new homes in friendly communities minimize maintenance and maximize first-floor living space. We look forward to taking your call and meeting you soon. NEWSTYLE COMMUNITIES AN EPCON COMMUNITIES FRANCHISE.

Coming Soon! Model home now open From the high $200s Rock Hill, SC | 803.883.0851

Only 8 homes remaining From the mid $200s Harrisburg, NC | 704.440.6586

Greenville, SC VillasofWestGeorgia.com Columbia, SC CourtyardsAtTheLake.com

EpconCommunities.com | 980.298.6817


CUSTOM HOMES | RENOVATIONS

cyrascustomhomes.com

THE CYRAS DIFFERENCE • Exceptional customer service, turnkey capability from

design to decorating • Personal involvement with builder every step of the way • Full one year warranty on materials and workmanship. • Graduate Master Builder Certified Green Professional • Homearama Gold Award Winner. • Approved Builder: The Point • The Farms • Ballantyne • High Gate • The Sanctuary • Springfield

Model Home — 597 McKendree Road, Tuesday–Sunday 1:00 to 5:00 & by appointment For More Information or to Schedule Appointment:

704.660.0449 — 704.634.1263 info@cyrascustomhomes.com

I Look Forward to the opportunity to serve you

Pavan Kumar | Master Builder



ADVERTISEMENT

The Charlotte . bserver Program

Rate

BEST RATE MORTGAGE

Points

Fees

% Down

APR

704-529-1233

http://www.bestratemtg.com

Check rates daily at http://charlotte.interest.com

Program

Rate

Points

Fees

LENDERCITY, A DIVISION OF BOULEVARD BANK

% Down

APR

866-597-7940

http://www.LenderCity.com

Program

Rate

Points

MECKLENBURG MORTGAGE

Fees

% Down

APR

877-493-5002

www.mecklenburgmortgage.com

30 yr fixed

3.500

0.000

$75

5% 3.513 30 yr fixed

3.625

0.000

$300

5% 3.640 30 yr fixed

3.500

0.000

$175

20% 3.517

15 yr fixed

2.750

0.000

$75

5% 2.798 20 yr fixed

3.500

0.000

$300

5% 3.538 15 yr fixed

2.750

0.000

$750

20% 2.815

7/1 ARM

2.875

0.000

$75

5% 2.912 15 yr fixed

2.750

0.000

$300

5% 2.776 7/1 ARM

2.750

0.000

$750

20% 2.856

2.625

0.000

$300

5% 2.807 5/1 ARM

2.500

0.000

$750

20% 2.700

LOCAL IN CHARLOTTE FOR 25 YEARS! OPEN SATURDAYS! A+ BBB RATING! 5/1 ARM

FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS! 10 year fixed 2.625%. Low closing costs. NMLS# 103395 (A) 536 Trade Center Blvd., St. Louis, MO NMLS# 193390

(B) 814 Tyvola Road, Suite 105, Charlotte, NC 28217

CHARLOTTE METRO FEDERAL CREDIT UNION

877-865-2298

http://www.cmcu.org

Call for Rates

3.22

15 yr fixed

Call for Rates

3.04

3/1 ARM

3.000

1.000

$1000

5% 2.946

2.86

5/1 ARM

3.125

1.000

$1000

5% 3.019

2.68 2.50

(E) 718 Central Avenue, Charlotte, NC 28204

Up: 36% Down: 55% Unchanged: 9%

Source: Bankrate.com 2015

3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000

22-Oct 29-Oct 5-Nov 12-Nov 19-Nov 26-Nov 3-Dec 10-Dec 17-Dec 24-Dec 31-Dec 7-Jan

4.25%

4.50%

4.75%

5.00%

20-Aug 24-Sep 29-Oct 3-Dec

7-Jan

Source: Bankrate.com 2015

Calculate Your Mortgage Payment

30 yr fixed

15 yr fixed

5 yr ARM

This week

3.85

3.16

3.20

Last Week

3.99

3.27

3.32

Last Year

4.64

3.69

3.46

Source: Bankrate.com, for more information visit www.bankrate.com. Bankrate national averages are based on 100 largest institutions in the top 10 markets in the United States.

30-YEAR MORTGAGE RATE CALCULATOR

30-YEAR MORTGAGE RATE CALCULATOR 4.00%

5/1 Adjustable Mortgage Trend

TIP: AVOID MOVING LOTS OF MONEY AROUND, CHANGING BANKS, CHANGING JOBS, BECOMING SELF-EMPLOYED AND MAKING BIG CAPITAL PURCHASES BEFORE BUYING A HOME.

Each week Bankrate surveys mortgage experts to predict which way rates will go in coming weeks. Here is what they say this week (1/8/15 - 1/14/15)

1190352

4.000

Source: Bankrate.com 2015

Mortgage Prediction

3.75%

(B) 1001 Morehead Square Drive #350 Charlotte, NC 28203

1-Year Adjustable Mortgage Trend

3.40

30 yr fixed

Loan Amount 3.50%

Free Prequalification Letters and Rate Quotes 7 days a week

5.25%

5.50% Loan Amount 3.50%

3.75%

4.00%

4.25%

4.50%

4.75%

5.00%

5.25%

5.50%

$165,000 $740.92 $764.14 $787.74 $811.70 $836.03 $860.72 $885.76 $911.14 $936.85

$215,000 $965.45

$175,000 $785.83 $810.45 $835.48 $860.89 $886.70 $912.88 $939.44 $966.36 $993.63

$225,000 $1,010.35 $1,042.01 $1,074.18 $1,106.86 $1,140.04 $1,173.71 $1,207.85 $1,242.46 $1,277.53

$995.70

$1,026.44 $1,057.67 $1,089.37 $1,121.54 $1,154.17 $1,187.24 $1,220.75

$185,000 $830.73 $856.76 $883.22 $910.09 $937.37 $965.05 $993.12 $1,021.58 $1,050.41 $235,000 $1,055.26 $1,088.32 $1,121.93 $1,156.06 $1,190.71 $1,225.87 $1,261.53 $1,297.68 $1,334.30 $195,000 $875.64 $903.08 $930.96 $959.28 $988.04 $1,017.21 $1,046.80 $1,076.80 $1,107.19 $245,000 $1,100.16 $1,134.63 $1,169.67 $1,205.25 $1,241.38 $1,278.04 $1,315.21 $1,352.90 $1,391.08 $205,000 $920.54 $949.39 $978.70 $1,008.48 $1,038.70 $1,069.38 $1,100.48 $1,132.02 $1,163.97 $255,000 $1,145.06 $1,180.94 $1,217.41 $1,254.45 $1,292.05 $1,330.20 $1,368.90 $1,408.12 $1,447.86

LENDERS, TO PARTICIPATE IN THIS FEATURE CALL BANKRATE.COM SALES DEPARTMENT @ 800-509-4636 Legend: The rate and annual percentage rate (APR) are effective as of 1/7/15. © 2015 Bankrate, Inc. http://www.interest.com. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) Mortgage Banker, (B) Mortgage Broker, (C) Bank, (D) S & L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). “Call for Rates” means actual rates were not available at press time. 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 $435,000. Points quoted include discount and/or origination. Lock Days: 30-60. 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. 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. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. Bankrate, Inc. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. Bankrate, Inc. does not own any financial institutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $417,000, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms – ex. 360 monthly payments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. To appear in this table, call 800-509-4636. To report any inaccuracies, call 888-509-4636. • http://charlotte.interest.com


EXQUISITE ESTATES Immerse yourself in a private world of luxury and intrigue. A world full of splendor, set apart from the rest.

beyond the extraordinary...

premiersothebysrealty.com 704.248.0243

LINVILLE | NORTH CAROLINA premiersir.com/id/185381

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 that may include, but not limited to county records and the multiple listing service and it may include approximations. All information is deemed accurate.


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