LAKE NORMAN AND IREDELL COUNTY, NC
HOME & LIFESTYLE GUIDE Volume 23, Issue 7
The Courtyards on
LAKE NORMAN! FEATURED REALTOR® DEBBIE MONROE LAKE NORMAN REALTY 704-533-0444
REALESTATEBOOK.COM
For advertising Information contact Vicky Erwin Maxey • treblakenorman@gmail.com
3860338 Within walking distance of Main Street Davidson. Boasts Lake Davidson access, so bring your boat or kayak or simply enjoy lake living. $499,000
3858424 Stunning John Wieland 6 bed/5.5 bath home in Olmsted! Unbelievable outdoor living area w/salt H2O pool and more. $1,085,000
3869328 Spacious traditional home in Cherry Grove! This inviting floor plan features 5 Bedrooms, 3 full Baths with separate Office + Play Room. $575,000
3866639 Lovely home in Pine Forest community, across from Larkin Golf Course. The spacious kitchen has granite counters and stainless appliances. $475,000
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3871179 LKN Waterfront, all-brick ranch home on a gently sloping lot. Pier + private lake access/boat ramp, year-round deep water, and 100 ft. of waterfront. $600,000
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3874007 Finally, a home in The Courtyards on Lake Norman! Former model has main level living with Primary BR + Sitting Room, additional BR/Office/Flex. $780,000
3870331 Enjoy country living at its finest! Approx 9.5 private acres of beautiful, rolling land in Mooresville. Perfect for investor, builder, or lover of country life. $975,000
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3866463 Beautifully maintained 5 BR, 4.5 BA cul-de-sac home with Spring/Fall/ Winter views of LKN in sought-after Trillium lake-cove community! $659,900
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3865082 Incredible Lake Home in Denver! Huge pier layout with Sun Deck, Covered Dock, Swings, Diving Board, Boat Lift & more! $2,200,000
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Beautiful evenings sold here! Inquire below.
3873361 Inviting 5 bedroom home in Crosswinds. Convenient to Northlake, Birkdale, LKN, I-77. Lots of space in back with privacy. $425,000
3851561 Beautiful custom built 5 BR home with primary bedroom and guest bedroom (or office) downstairs. Screened porch, patio and fountain. $920,000
3874198 Over 1 acre and no HOA!! Huge private backyard with outbuilding. LR with walk out to covered back porch for entertaining. $420,000
You know your perfect home is out there. Fortunately, so do we. More importantly, we take the time needed to help you find it. That can-do attitude has made us known for customer service and tops at putting customers first. Call today and discover how Lake Norman Realty can make your home buying or selling experience easier! Cornelius Davidson Denver Mooresville/Hwy 150 Mooresville/Williamson Statesville Rentals Relocation
704.892.9673 704.655.2600 704.483.1518 704.663.3655 704.677.7870 704.881.0771 704.662.6049 800.706.6049 800.315.3655
Our Experience Runs Deep. www.LakeNormanRealty.com
Vicky
Tracey
MAXEY
WALKER
704.743.7409 vicky.e.maxey@gmail.com
704.400.7000 tracey7000@yahoo.com
New Price!
UNDER CONTRACT! Privacy awaits on almost 1 acre. Large covered front porch. 2 story farmhouse style home surrounded by matures trees and enjoy the quiet peaceful setting. In-ground pool with covered side porch / deck and firepit for entertaining. Hardwoods throughout downstairs. Asphalt u-shaped driveway with 2 car carport, pull in garage / workshop and an additional shed of to the side. Community park within walking distance. City water and sewer! $665,000
MOORESVILLE - $395,000 5 Bedrooms / 3 Baths Full basement MGSD
We can sell yours too! Call us today!
SOLD!
SOLD!
JUST SOLD!
MOORESVILLE - $710,000
MOORESVILLE - $160,000
MOORESVILLE - $175,000
SOLD!
SOLD!
SOLD!
TROUTMAN - $298,500
SHERRILLS FORD - $2,250,000
MIDLAND - $1,300,000
SOLD!
SOLD!
SOLD!
STATESVILLE - $730,000
CHARLOTTE - $285,000
LENOIR - $925,000
THIS FORMER MODEL HAS EVERYTHING!
Main level offers primary Bedroom with Sitting Room, additional Bedroom, Office or Flex Room, spacious eat in Kitchen, Dining area, Family Room with fireplace, Laundry Room and an over sized 2-Car Garage. Upstairs is great for visitors, with a spacious Bedroom, Full Bath & Rec Room. While this is a 55+ neighborhood with only 67 homes, but this home’s occupant is not of that age, so a buyer would not need to be 55+. The private backyard is surrounded by trees. This neighborhood offers some of the best amenities available, including a pool, clubhouse, fitness center, kitchen, card room, reading room, screened porch and several rooms available to meet friends or clients in. Just up the road is Ramsey Creek Park where you will find beach access, a dog park, lake access and so much more.
$780,000
3874007 - 17005 Courtside Landing Drive - Cornelius
Our Our Favorite Favorite Recipes Recipes
Ingredients: Ingredients:
Vicky Maxey
Campfire Campfire Banana Banana Boats Boats
1 banana 1 banana 2 tablespoons chocolate chips 2 tablespoons chocolate chips 8 mini marshmallows 8 mini marshmallows 1 graham cracker square 1 graham cracker square Add carmel, strawberries, Add carmel, strawberries, nuts or peanut butter for fun nuts or peanut butter for fun
Owner/Publisher
Mobile Multi-Marketing Programs for Real Estate Agents and Real Estate Service Providers •• •• •• • •• •• ••
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treblakenorman@gmail.com ~ fb.me/treblkn
704.743.7409
Instructions: Instructions:
Take a banana with its peel still on and cut it down the Take a banana withconcave its peelside). still on and down the middle (along the Not allcut theitway through, middle (along the concave side). Not all the way through, but until the tip of your knife just grazes the peel on the but until the tipthe of your just grazes the apart. peel on the other side. Pull peel knife and banana slightly other side. Pull the peel and banana slightly apart. Stuff the chocolate and mini marshmallows (or other Stuff thesee chocolate andthe mini marshmallows (or other fillings, notes) into center of the banana. fillings, see notes) into the center of the banana. Wrap the banana in foil. Place on a campfire or grill until Wrap banana in and foil. banana Place onhas a campfire grill until fillingsthe have melted warmed or through, fillings have melted and banana has warmed through, about 10 minutes. about 10 minutes. Unwrap banana and top with crushed graham cracker. Unwrap banana and top with crushed graham cracker.
JUDY YARBROUGH REALTY of Lake Norman,Inc
Judy Yarbrough, Broker /Owner “Serving the Lake Norman Area for 36 years!” 704-400-1899 / Judyyar@aol.com
Welcome to our new Associate Broker
Stacy Yarbrough 704-506-7672 syarbrough.jyr@gmail.com SOLD!
ONLY THE SUN COVERS THE LAKE NORMAN AREA BETTER
Text RBHSCCW to 52187 for more info.
Darla & Tom Tomburo
Mint Hill $569,000
INEXPERIENCE CAN BE VERY EXPENSIVE BROKER/ REALTOR/ CONSULTANT/LUXURY HOME SPECIALIST
704-281-6666 704-258-6666
SOLD!
livelkn@gmail.com www.thetomburoteam.com
As experienced real estate agents, we can provide recommendations and advice for buyers and sellers in this market, so call today and let’s talk!
Text RBHSCCV to 52187 for more info.
Cornelius $420,000
3 THINGS NO ONE TELLS YOU ABOUT WORKING WITH A REAL ESTATE AGENT If you’ve never bought or sold a home before, chances are you have a preconceived notion of what real estate agents are all about. Unfortunately, you may also have the wrong idea or be misinformed about just what these professionals can do for you. Here are three things you probably never knew about working with a real estate agent: Y relationship with withyour yourreal real estate agent Your our relationship estate agent goesgoes wayway bebeyond buying or selling a home. A professional real estate yond buying or selling a home. A professional real estate agent will be beyour yourconnection connection a myriad of resources agent will to to a myriad of resources you you will need before, during and after the transaction, will need before, during and after the transaction, such as such as mortgage, title and insurance professionals, home mortgage, title and insurance professionals, home improveimprovement and repair services, home stagers, interior ment and repair services, home stagers, interior designers, designers, painters and landscapers, cleaningetc. services, etc. painters and landscapers, cleaning services, Many real Many estate part of a brokerage that offers estatereal agents areagents part ofare a brokerage that offers some of some of these within services thethat firm,has or partner that hasrelationpartner these services thewithin firm, or relationships withfirms. suchThey firms.are They arewell also well entrenched ships with such also entrenched withwithin the community and can offer great referrals on a in the community and can offer great referrals on a whole whole host of sources that you might need. host of sources that you might need. Good real estate estate agents agents are not just just after after a deal at at all all Good real are not a deal costs. your bestbest interests because their costs. They’re They’relooking lookingafter after your interests because ultimate goal is to make you happy and create a client for their ultimate goal is to make you happy and create a clilife. Therefore, you can your agent to advise you ent for life. Therefore, youexpect can expect your agent to advise on the best possible decision, not not selling youyou a bill youmaking on making the best possible decision, selling a of goods just to earn a quick commission. For example, bill of goods just to earn a quick commission. For example,if you’re going if you’relooking lookingatathomes homesinin aa neighborhood neighborhood that’s that’s going to put you in a financial bind, a good agent will steer you to put you in a financial bind, a good agent will steer you toward an area that suits your preferences, but also your toward an area that suits your preferences, but also your budget. agent is is not not a a money-hungry money-hungry shark, shark, but but a a budget. A A good good agent trusted trusted guide. guide.
Remember this: real estate agent’s business Remember this: The Thelifeblood lifebloodofofa a real estate agent’s busiis referrals, so most are committed to serving you and earning ness is referrals, so most are committed to serving you and your trust. earning your trust. A professional is is a financial analyst of the A professional real realestate estateagent agent a financial analyst of local market and will know how to price your home correctly the local market and will know how to price your home corfor sale, will or help make bestthe offer when rectly foror sale, willyou help you the make best offerbidding when on a home These pricing decisions aredecisions based onare an bidding on to a buy. home to buy. These pricing in-depth of knowledge knowing what has soldwhat for what based onknowledge an in-depth of knowing has pricefor in what whichprice neighborhood over the course last sold in which neighborhood over of thethe course month, quarter, year, etc. They are also based on granular of the last month, quarter, year, etc. They are also based on details ofdetails the home, such as asuch recent warrants granular of the home, as remodel a recent that remodel that a higher price or a needed repair that requires a price drop. warrants a higher price or a needed repair that requires a So expect agent toyour have a strong opinion when itopinion comes price drop.your So expect agent to have a strong to advising you to onadvising how to price your home for sale or home put in when it comes you on how to price your a bid onorthe youon want buy.you Know thattothere’s a lot for sale puthome in a bid the to home want buy. Know of research and into arriving at those that there’s a lot knowledge of researchthat andgoes knowledge that goes into numbers.at those numbers. arriving Remember, there’s there’s more more to to a a good good real real estate estate agent agent than than Remember, meets the eye! Finding the right professional to work with will meets the eye! Finding the right professional to work with will make your real estate experience positive and successful. make your real estate experience positive and successful. Reprinted with permission from RISMedia. ©2018. All rights reserved.
Debbie Monroe Monroe Debbie
Lake Norman Norman Realty, Realty, Inc Inc Lake
704-533-0444 704-533-0444
Kay Helms
Lake Lake Norman Norman Realty, Inc
704-488-5012
Gary Myerscough Myerscough
Lake Norman Realty, Realty, Inc Inc
704-526-8611
Lisa Lisa Dwyer Dwyer
Lake Lake Norman NormanRealty, Realty,Inc Inc
704-775-0511 704-775-0511
DebbieM@LakeNormanRealty.com KayH@LakeNormanRealty.com DebbieM@LakeNormanRealty.com GaryM@LakeNormanRealty.com LisaD@LakeNormanRealty.com LisaD@LakeNormanRealty.com KayH@LakeNormanRealty.com GaryM@LakeNormanRealty.com DebbieM.LakeNormanRealty.com DebbieM.LakeNormanRealty.com GaryM.LakeNormanRealty.com LisaD.LakeNormanRealty.com LisaD.LakeNormanRealty.com KayH.LakeNormanRealty.com KayH.LakeNormanRealty.com GaryM.LakeNormanRealty.com
Nadine Wynn Wynn Nadine
Glynis Giles
Judy Yarbrough Yarbrough
Jimmy Jimmy EE Dagenhart DagenhartInc Inc
704-400-1899
Broker BrokerABR ABRCRS CRSGRI GRISRES SRESePRO ePRO
Real Real Estate Estate
Keller Williams Williams Realty Realty Keller
Keller Williams Realty
Realty of Lake Norman, Norman, Inc. Inc.
Nadine@TeamNadine.com Nadine@TeamNadine.com ALakeHome.com ALakeHome.com
GlynisGiles@gmail.com GlynisGiles@gmail.com
JudyYar@aol.com JudyYar@aol.com
Allen Tate Tate Real Real Estate Estate Allen
Michael Evans Evans Michael 704-770-8785 704-770-8785
Allen Allen Tate Tate Real Real Estate Estate
Allen AllenTate TateReal RealEstate Estate
Michael.Evans@AllenTate.com Michael.Evans@AllenTate.com MichaelEvans.AllenTate.com MichaelEvans.AllenTate.com
Melissa.Jones@AllenTate.com Melissa.Jones@AllenTate.com MelissaJones.AllenTate.com MelissaJones.AllenTate.com
CandyMcCarty.AllenTate.com CandyMcCarty.AllenTate.com
Tracey Tracey Owings Owings 704-400-7000 704-400-7000
Carolina Carolina Signature SignatureRealty Realty
704-806-6711 704-806-6711
Shellie Rhodes Rhodes Shellie
Era Z Z Realty Realty Era Realtor / Broker In Charge Charge Realtor / Broker In
704-778-6701 704-778-6701
ShellieRhodes1@gmail.com ShellieRhodes1@gmail.com
Jon Madison KristiJon Madison Pfeufer Madison Doug Madison Realty Doug Madison Realty 704-929-8198 704-929-0505 704-929-8198
704-605-4962
PamMadison Lewis Matt Pam Lewis 704-881-5450 704-929-7701 704-881-5450
Doug Madison Madison Realty Realty Doug Doug Madison Realty
Melissa Melissa Jones Jones 704-251-4008 704-251-4008
Carolina Carolina Signature Signature Realty Realty
Jon@DougMadisonRealty.com PamSellsHomes@bellsouth.net Tracey7000@gmail.com Kristi@StatesvilleHomes.com MattMadison@DougMadisonRealty.com Jon@DougMadisonRealty.com PamSellsHomes@bellsouth.net Tracey7000@gmail.com DougMadisonRealty.com/Pam-Lewis CarolinaSignatureRealty.com DougMadisonRealty.com/Jon-Madison DougMadisonRealty.com/Kristi-Madison-Pfeufer DougMadisonRealty.com/Matt-Madison DougMadisonRealty.com/Jon-Madison DougMadisonRealty.com/Pam-Lewis CarolinaSignatureRealty.com
704-574-0880 704-574-0880
JimmyDagenhart.com JimmyDagenhart.com
Candy Candy McCarty McCarty 704-450-0439 704-450-0439
Candy.McCarty@AllenTate.com Candy.McCarty@AllenTate.com
Vicky Vicky Erwin Erwin Maxey Maxey 704-743-7409 704-743-7409
Vicky.E.Maxey@gmail.com Vicky.E.Maxey@gmail.com CarolinaSignatureRealty.com CarolinaSignatureRealty.com
To Sell Sell Your Your Home Home Quickly, Quickly, For For The The Best Best Price...List To Price...List With With One One Of Of Our Our Featured Featured Agents! Agents!
BeseckerMaynardGroup.com Monica Besecker & Eric Maynard, Team Owners
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CLEVELAND ALL BRICK Fully updated with 2 Brand New HVACs, New SS appliances, freshly painted (even closets!), refinished HW floors on main & plush, quality new carpet all BRs! Wide deck with fan is screened to enjoy views of level backyard with trees. Vaulted GR w/gas FP, Kitchen w/brkfast bar, DR w/bay window & Primary BR on main also with deck access. 3 BRs & full bath up, plus large unfin room for storage. $325,000
Text RBHVQTH to 52187 for details
LOOKING FOR A VRBO PROPERTY? Or a private waterfront just for you on Lake Norman? Don't miss non-HOA home with wooded privacy surrounding you & the lake! Wood floors in main rooms. Gathering space in DR, at kitchen island, in Sunroom or on lg Decks. Owner Suite/guest BRs on main, plus BR & Bath up nearby Dining area with lakeviews, kitchenette, GR with FP and Rec/Billiard space. Cov Dock has Lift! $1,495,000
Text RBHWZSM to 52187 for details
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NEAR LKN STATE PARK! Leave congestion behind & build here, with no HOA fees! Tranquil setting nearby LKN State Park. Enjoy wooded, deep lot with possible options to place driveway front or back. Needs septic, but has option to tap on to town water, with tap fee. Launch boat less than 4 miles away at State Park w/beach, hiking/biking trails, fishing & campground. Bring your builder with no time limit to build. $75,000
Text RBHWZTD to 52187 for details
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GATED ENTRY Lincolnton replica of National Historic Landmark home. Solid quality materials/construction went into this home, using salvaged materials to layer on history. Ceiling beams, wood floors, Italian marble & Delft china tiles, Dentil moldings, stairs millwork & 10 fireplaces are one of a kind. Curved brick stairs bookend back courtyard entry, with lamp post lights accent summer gatherings. $1,700,000
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GATED LAKE COMMUNITY! Build here on large lot (two were combined for 4.71 acres) and enjoy a homesite consuming nearly the whole cul-de-sacs! Excellent amenities in Harbor Watch include gated entry, lakeside gathering space with covered gazebo, Boat launch, Day Dock, even 2 community fishing ponds. Boat/RV storage add more reasons to check this lot out, nearby LKN State Park. Bring your favorite builder, too! $149,900
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RANCH/BONUS Fabulous fenced backyard beckons you to linger on the patio with playset in view & firepit set in wooded back. Split BR layout has open floorplan Kitch, Dining & GR with fireplace. Gas top range, SS appliances & granite tops in Kitchen & baths. Tall vanities both baths, with dbl sinks in Primary BR ensuite bath. Over 300 sf Bonus Room up for Rec/Media space. Low-HOA fees! $399,900
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CUL-DE-SAC & FENCED! HW floors main & plush new carpet dress one of the largest floorplans in community. Quartz tops in kitchen (and owner bath) + SS appls, butler pantry, island & eat-in bar. Office & GR w/built-ins. Lg Owner suite up w/2 closets & updated bath + 3 BRs. Bonus Rm w/back stairs for easy kitchen snack runs. Expansive 31 x 16 deck views the private, fenced back. Community Boat Ramp & 2 Pools! $495,000
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DAVIDSON! YOUR CHOICE if you prefer a Lot purchase to bring your own builders, or call about pricing for the TO-BE-BUILT home, rep photo seen here. Level, cleared lot with tree border in Great location. 6 miles either way to I-77 or I-85 for reaching Charlotte, Lake Norman, Airports & more. Nearby multiple parks, schools, libraries & golf courses. City sewer/water avail with required tap fees. Call for pricing!
Text RBHWPTY to 52187 for details
DEEP LOT ALONG CATAWBA RIVER! Enjoy options here for HOA-free living or if you want more than just the views from this waterfront lot, you can take advantage of the neighboring lot that offers Common Area Lake Access, for a small HOA fee. Bring your favorite builder to start your dream home along the Catawba River waterfront on a deep lot in River Rock Shores. Lot cannot have a private dock. $115,000
386-589-0624 Awarded #1 List Agent & #1 Sales Group $88 Million SOLD in 2021
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5 BR BEAUTY! Gorgeous features from high ceilings to expansive kitchen island, apron sink, gas cooktop & sparkling SS appls fill this home. Wonderfully private backyard is tree-lined with covered patio & firepit area w/seating wall. Open floorplan has a main level guest BR & bath. Owners Suite up with spa-like bath, double vanities & 2 closets. Upper Loft + a Bonus Room & 4 BRs up. Awesome amenities! $640,000
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UPDATED BRICK RANCH Solid built & well-cared for home has HW floors & stylish updated lighting, granite kitch tops, SS appls & shaker cabinets (kitch/laundry). Quartz tops both baths. Owner BR w/ensuite bath. Invisible fencing & Shed. 2 driveways-one leads to unfinished 1500 sf bsmt offering endless possibilities from storing/working on vehicles (w/garage door entry) to a fireplace for heat if using for a shop! $275,000
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Text RBHXGMW to 52187 for details
3 BR CHARM Lovely side porch, plus deck in fenced backyard for relaxing. Solid built home has spacious rooms, glass doorknobs, built-ins & updated kitchen. Primary BR has 2 closets & bath cabinetry lends abundant storage. A New Roof! Street lit sidewalk for strolls & easy access to Middle/Elem schools, Library & I-40. Save gas money, easily access public transportation here, too! $225,000
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ROOFTOP PATIO for Davidson condo adds fresh air space above it all for relaxing! Low maintenance full brick unit has garage parking & nearby walking trails & pond with views beyond of Lake Davidson. Easy reach to Town of Davidson events (Library, Dining, Outdoor Festivals & Music), Davidson College & access to I-77. $358,000
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VIEWS ACROSS TO CHARLOTTE 2nd liv qtrs qtrs, a sep entry Studio with bath, a 1700 sf (tall door) garage/shop + 5300 sf Main Home w own garage-all in one private 3.75 ac property! 2 Owner Suites & Bsmt w/huge Theatre & Bar, Fitness, BR & more. 1 BR apt w/own laundry. Nestled w/wooded surround, above-ground pool/decks have skyline views. Mtn feel away from congestion, yet central to Clt/Airport, Mooresville, Denver, Hickory! $875,000
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ONE LEVEL LIVING! Beautiful updates await you here in all brick no HOA home featuring stainless steel appliances, updated cabinets, island & granite tops. Easy-care LVP floors & new lighting add style top to bottom. Structural improvements add peace of mind with newer roof, gutters & windows. Open floorplan inside. Spacious back deck, shed included and no neighbors behind, plus low county-only taxes! $215,000
Text RBHLGGM to 52187 for details
IF YOU'RE DONE WITH BIDDING WARS ON RESALE HOMES... COME BUILD HERE! A mountain getaway is yours with 1.61 acre lot in Pisgah Preserve, bordering the Pisgah National Forest. Community offers unique amenities like a Community reading cabin, with creeks, trails, green spaces, picnic & firepit areas to soak in the scenery & outdoors. Lake James & multiple public boat launches also nearby to enjoy. Easy access to Asheville, Winston or Charlotte! $37,500
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MINT HILL 4 BR home in small private cul-de-sac w/no thru traffic. Custom kitch cabs w/soft-close features, granite tops & SS appliances. French doors to main level office. All BRs up. Owner bath walk-in shower & granite vanity. 3 BRs (2 with study nooks), 2nd bath & Laundry plus Bonus Room! Relaxing deck. Full irrig, invisible fencing & your own Basketball court area in back! $496,000
6 Ways to Finance
A Renovation
If you’re planning to take on a home improvement project, you’re in good company. A recent report by the Joint Center of Housing Studies at Harvard University predicts that the home improvement industry is expected to post record-level spending this year. As you prepare for your renovation, it’s important to review your financing options based on the size of the project, your intended repayment plan and whether you plan to use a contractor or do it yourself. Below are some financing options to consider as you talk things over with your lender.
Home Equity Line of Credit (HELOC)
Credit Card
Mortgages with Built-In Renovation Financing
Savings
A HELOC can provide ongoing access to funds using the equity in your home, which typically results in lower interest rates than unsecured credit. This type of credit may also provide you potential tax benefits. Consult your tax advisor regarding the deductibility of interest.
These loans help homeowners complete renovations with a loan amount that is based on an appraiser’s estimate of what the property value will be with completed improvements. This is also an option for aspiring homeowners who purchase properties that need repair. Whether a home purchase or a refinance, this option finances the renovations and mortgage in one loan.
Personal Loans and Lines of Credit
These personal credit options typically offer quick credit decisions and access to funds in a day. Lines of credit provide ongoing access to funds.
Credit cards can be used for large or small purchases and may earn rewards, which can add up to significant benefits when you’re making big home improvement purchases. However, credit cards often have higher interest rates than other loan or credit options, which should be taken into consideration. If you have a do-it-yourself project or a small renovation, accessing your savings might be an option. By paying cash, there is faster access to funds and nothing to repay.
Cash-Out Refinance Mortgages
A cash-out refinance replaces your current mortgage with a new and larger mortgage that pays off your current balance and allows you to use the equity in your home to provide additional funds for other purposes.
Your bank or lender may not be the best source for what color to paint your room or which walls to move, but they can help you identify your financial options. Each option has its associated benefits and considerations, and your bank can provide valuable information to help you make informed decisions about which options are right for you.
Tips For Getting A Home Loan In 2022 KNOW YOUR FINANCIAL SITUATION.
Before you begin your home loan application process, determine what you can realistically afford. Take into consideration your credit score, how much debt your currently carry, including student loans and what type of down payment your’re prepared to make.
COMPARE QUOTES.
Make sure you are familiar with interst rates, loan terms and additional fees when buying a home. Beyond the interest rates, there are closing fees and points and commissions. You’ll want to compare these for all lenders on your list. There are several calculators available online that may help you determine which loan provides the best value.
CHOOSE A TRUSTED LENDER.
Get references from family and friends, and do your research. Check with the local Better Business Bureau, to see if there are complaints about any of the lenders you are considering.
READ BETWEEN THE LINES.
TV ads and telemarketers will often offer fast, easy home loans, but will not disclose the details. Read the fine print. If it sounds to good to be true, it probably is.
ASK QUESTIONS.
When in doubt, ask for clarification. Discuss how long the loan process will take, how you will communicate and who will service your loan.
HAVE YOUR DOCUMENTS READY. Although each lender may require different documentation, you may be required to furnish the following information depending on your employment and financial situation. Pay stubs Tax returns Financial and bank statements Copies of monthly payments such as car loans, credit cards and student loans Any other information (such as proof of additonal income) that you think will help the lender evaluate your credit request positively
Andrea Kindley
Jeff Shook
Torri Forbes
Fairway Mortgage NMLS# 93066
NEXA Mortgage, LLC NMLS# 92931
A Mortgage Company NMLS# 71579
AKindley@FairwayMC.com
JShook@nexamortgage.com
Loans@TorriForbes.com
704.902.6371
Featured Lenders 5 spots May June July.indd 1
704.408.0196
704.634.0158
Elaine Willeford Movement Mortgage NMLS# 311005
704.564.1302
Lance Johnson
LKN Capital Mortgage NMLS# 2182460
980.556.2200
Elaine.Willeford@Movement..com Lance@LKNCapitalMTG.com.com
5/5/2022 2:17:35 PM
TED BENBOW BROKER/REALTOR®
704-902-0121 tedb@landandluxury.com www.landandluxury.com
PROPERTIES
LAND & LUXURY
Professional Land Surveyor Certified Land Specialist 2.7l WILKES AC | STATESVILLE CC 32 AC COUNTY
I specialize in selling LAND selling now If you want to sellLAND! your farm or isacreage tract,more I than ever! me tolook sell your wantCall to come at it!LAND!
34 AC | CLEVELAND CO. 194 AC | SURRY COUNTY
114 Morlake Dr. Suite 103 Mooresville, NC 28117
SPRUCE PINE 30 AC l CALDWELL194 AC | SURRY COUNTY COUNTY
Beautiful wooded land, mature hardwoods and plenty of wildlife. 65 acres crop production, rest mature trees, nice long Gated community less than ten miles from downtown Blowing Rock. Statesville Country Nice Older mature True gem! creek GrassyBig Creek 6.2 acres croptheproduction, restand mature Private maintained road forClub. $1,000/year. cabin on property that Long rangerange views,views, secluded and private. tract/Golf goodCourse. high State-owned game65 landsacres that adjoins property! Waterfall stream trees plusbeone acre and frontage, Shelby, NC. Might be highest withLane public road frontage and golf trees, long range ground. MLS 3750933 Harbour $1,200,000 might could fixed up. MLSopen. 3855858Private Smokey Mountain Trail $179,900 pools runs through property.nice MLS 3873168 Poundingviews, Mill Trail seclud$429,900 well established nbhd. Augusta Drive. ground in Cleveland County! W Zion course frontage. Developers dream. ed and private. Big tract/ good high $175,000. Church. $289,000. MLS 3439998 $495,000. Barry Drive. ground. Harbour Lane. $1,200,000. 204 AC l ALEXANDER COUNTY .84 AC l ALEXANDER COUNTY 14 AC l IREDELL COUNTY
15.3 AC | WILKES CO.
28 AC | LEXINGTON
25 AC | CLEVELAND CO
10 AC | DAVIDSON CO
Mostly wooded with food plots, streams & small pond. Deer, turkey, bear and Nice laying land in a stable country setting suitable 14 Acres with big hardwoods, creek front and a small game are abundant. Good woods, road and trails, easy walking. One of for new home. No HOA. MLS 3850065 Wellman Road spring. Nice hilltop with long view. Plenty of deer. MLS $27,500 the nicest big tracts I have seen.. MLS $1,200,000 3809692 Clements $95,000 This land has maVery desirable location in3850756 NC. Highway16 Good Joins PendletonIndustrial Park, 60’ Open, wooded and in a very Good Road road frontage. desirable paved road frontage, pristine woods, ma- wide easement. Presently Zoned RA3. clean rural area in Shelby. Plenty of ture trees, a nice creek and is in a deture creek frontage. property. MLS deer. MLS 3715459. $175,000. sirable area. MLS 3736135. $129,900. 6.2trees, l MITCHELL COUNTYMLS 3724752. Sewer lift station 36 ACon l IREDELL COUNTY 124 AC lW. ROWAN COUNTY $89,900. High Rock Rd, Boomer. 3736280. $249,900. American Way. Sink Rd. Lexington. Zion Church Rd.
28.7 AC | WILKES CO.
1.33 AC | STATESVILLE
24 AC | MOCKSVILLE
106.76 AC | MOCKSVILLE
UNDER CONTRACT!
Grassy Creek Golf Course. 6.2 acres with public road Beautiful open and wooded. Rolling hills, old large 124 acre tract in Rowan County, NC has open farm land, fenced frontage and golf course frontage. Developers dream. barn, pond and paved road frontage. MLS#3872633 pasture, woods & 20+ acre duck swamp. Older manufactured Little Wilkesboro Road $792,000 MLS 3439998 Barry Drive $495,000. home & well on the property. MLS 3835599 HampsCONTRACT Dairy $809,640 UNDER CONTRACT UNDER Very location in NC. Good 39.7 desirable AC l CASWELL COUNTY paved road frontage, pristine woods, mature trees, creek frontage. MLS 3724782. $149,900. High Rock Rd.
Statesville Country Club. Mature trees plus open area. Well established nbhd with community security patrol. MLS 3630494. $90,000. Augusta Dr.
Beautiful 39.7 Acres on the east side of Files Rd. Great location with mature hardwood trees and a creek off of a dead end road. MLS 3779133 Files Road $249,900 15.6 AC l CASWELL COUNTY
24 acres + older house (needs work) Outstanding property with 4,242’ of 2.39 AC l RUTHERFORD COUNTY paved road frontage & rolling open farmland just mins away from I-40, project. 198 Ponderosa Rd $254,900. MLS 3762916 Pinebrook Rd. $850,000.
fenced. Nice rural location, I SpecializePartially into LAND close amenities House is As Is. Nice
LAND is selling now I Specialize in LAND more than ever! & LAND is selling now more than ever!
Gated subdivision land in scenic North Carolina suitable
for vacation or permanent home. Peaceful mountain Call me to Sell your LAND CALL ME to Sell your LAND! lifestyle! MLS 1048389 Westridge Drive $44,900
499 AC | YADKIN CO.
UNDER CONTRACT Farm land in northeast quadrant of I-77 and new Highway 421. Main Stream flows to Longtown Ck. MLS 3192033 $3,500,000. Lowder Rd.
MY LISTINGS ARE ADVERTISED 73 AC | YADKINVILLE IN CHARLOTTE + TRIAD MLS Beautiful Acreage on Files Rd. Great location with UNDER CONTRACT Yadkinville wine mature hardwood trees and a creek off of a dead end AND ON MORE THAN country & very desirable area. State road. MLS 3779136 Files Road $119,900 road frontage. User friendly woods 25 OTHER WEBSITES! 6.7 AC l CASWELL COUNTY
BUY LAND!
roads. Deer are abundant. MLS 3586109 $295,000. Wyo Rd.
BOOMER
234 AC | DAVIE CO.
UNDER CONTRACT NC Opportunity Zone Property. Partly in Mocksville. Paved road frontage on 2 roads. Water & Sewer. MLS 3667968 $1,146,600. Hwy 64 E.
51 ACRES | MOCKSVILLE
UNDER CONTRACT Privacy with creeks, hay fields, woods, 2 ways to drive on property, deer, turkeys, small game, secluded yet close to town. Everhart Rd. $299,000.
2 AC | STATESVILLE
UNDER CONTRACT Commercial - 2 acres joins I-77 just south of East Broad Street, Statesville, NC and joins K-Mart. MLS 3505561. 1504 Marlou St. $99,900.
UNDER getThey’re not making away MYCONTRACT LISTINGS2 Acres. ARE Private ADVERTISED TAYLORSVILLE in Brushy Mountains, Wilkes County, IN CHARLOTTE + TRIAD MLS Boomer, NC MLS 3701210 $15,000. High UNDER CONTRACT 27.72 acres with long views! Apple it anymore. Beautiful 6.7 Acres on the west side of Files Rd. Great Rock Rd. AND ON MORE THAN location with mature hardwood trees and creek frontage off of a dead end road. MLS 3779129 Files Road $74,900
25 OTHER WEBSITES!
Country! MLS 3598865. $65,000. Silas Deal Rd.
DougMadisonRealty.com 704.873.7700
1812 E. Broad Street, Statesville, NC 28625 $1 ,25 0,0 00
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Minutes from downtown Winston-Salem.4BR/5BA, stained glass doors into the entry hall divides the entertaining area from the living quarters. Kitchen featuring SubZero refrigerator, F. Bertazzoni gas range/oven & counterspace galore. Nearly 20 acres of land.Back deck, stairs lead down to fixed pier on the pond. MLS# 3862524
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4bd/2bath 2 story home. 1.5 acres in Cool Spring area.2 living areas,1 w/fireplace. Wood floors. HVAC is 1 yr. old .Tile shower in master bathroom, jacuzzi tub. Detach garage with electricity & concrete floor. Blueberries, figs, apples, and grapes grown on property. Deck on back.Some fenced in yard. MLS# 3864071
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Windemere waterfront subdivision.Cathedral ceilings,fireplace gas logs,wood floors.New Pella Doors in Sunroom & Greatroom. Kitchen w/ pantry, gas range/oven.16x14 Sunroom.Master Suite on main level w/private balcony.Basement incl.Rec Room. MLS# 3858203
3bed/2bath.Bamboo flooring, upd. bathrooms&kitchen,new metal roof w/Leaf Free Gutters (w/ lifetime warranty). 2-tier deck w/ pergola,New insulated windows, crown molding,chair-rails,granite countertops,and livingroom w/french doors opening to den.Masonry woodburning fireplace .20x20 Outbuilding. MLS# 3853355
Two story home sitting on 2 lots with a great garden spot. 3 bedroom 2 baths. 2 car attached garage.2 outbuildings. Deck on back. Wood and tile floors. Fruit trees on property. MLS# 3868248
3BR/2.5BA.Over 2000 sq/ft conveniently located I40 & I77. Granite countertops and SS appl. Nest suite of electronics incl. outside cameras, doorbell, thermostat and smoke alarm and multiple flooring upgrades. Primary bedroom w/ walkin shower, tile floor with inlay and large closet with organizer. MLS# 3870852
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5BDR 4BA Hardwood flooring, Stacked stone gas fireplace. Kitchen w/ quartz counters, pendant lighting, gas cooktop, and double wall oven.Basement has rec room and media area w/ large bedroom and full bath. Upstairs level has bedroom and full bath w/ separate living area. MLS# 3873780
3.5 Acres waiting for commercial Developement. Fronts railway with a deed spur. Corner Lot, Level and ready for development. There is a railroad right-of-way on this property. MLS# 3860549
Range/oven, microwave, dishwasher, wood floors on main, back splash,granite countertops,barn door to laundry room, composite front porch,all windows,light fixtures,some ceilings, ALL NEW IN 2022. Close to shopping & I-40. MLS# 3869978
WE BELIEVE IN MOVING YOU!
Debbie Monroe BROKER/REALTOR 704.533.0444
®
DebbieM@LakeNormanRealty.com DebbieM.LakeNormanRealty.com
TEXT ANY OF THE PROPERTY CODES BELOW TO 52187 FOR MORE PHOTOS & INFO CUSTOM HOME IN OLMSTED!
OAKHURST!
THE COURTYARDS ON LKN!
STUNNING JOHN WIELAND HOME! Brick exterior and 3 car garage w/epoxy floors. Covered front porch; 2 story foyer w/site-finished HWs & grand staircase. Private 1st floor Guest Suite w/full bath. Gourmet kitchen w/large granite island, beautiful cabinets, 2 pantries & separate built-in beverage station w/fridge. Kitchen opens into Family Room w/stacked stone FP, overlooking deck & expansive, fenced outdoor living area w/irrigation, mature landscaping, saltwater pool, hot tub, FP, pergola & MORE! Primary bedroom on upper level has large sitting area & spa bath w/dual vanities, soaking tub, separate walk-in shower, 2 walk-in closets & private "Retreat" 3 addl bedrooms, 2 full baths, Bonus Room and Laundry Room on this level. 3rd level has bedroom, spacious Bonus and full bath. Separate HVAC units for each level. $1,125,000
NEAR DOWNTOWN CORNELIUS! Updates include new vinyl plank flooring on main level (no carpet anywhere), new granite countertops with eating bar, and the HVAC was replaced in 2019. Nice Den in the rear of the home, large Dining Room and Office off the Foyer, Great Room with gas log fireplace and open Kitchen with Pantry. 3 large Bedrooms upstairs including the Owner's Suite with walk-in closet, garden tub and dual sink vanity. Hough High and Bailey Middle Schools are the current school assignments. Fabulous neighborhood amenities include large park with gazebo, sport court, playground, pool, basketball court and clubhouse. Access to Caldwell Station Creek Greenway. easy access to restaurants, shopping, minutes from Lake Norman and Birkdale. $399,900
THIS FORMER MODEL HAS EVERYTHING! Main level offers primary Bedroom with Sitting Room, additional Bedroom, Office or Flex Room, spacious eat in Kitchen, Dining area, Family Room with fireplace, Laundry Room and an over sized 2Car Garage. Upstairs is great for visitors, with a spacious Bedroom, Full Bath & Rec Room. While this is a 55+ neighborhood with only 67 homes, but this home's occupant is not of that age, so a buyer would not need to be 55+. The private backyard is surrounded by trees. This neighborhood offers some of the best amenities available, including a pool, clubhouse, fitness center, kitchen, card room, reading room, screened porch and several rooms available to meet friends or clients in. Just up the road is Ramsey Creek Park where you will find beach access, a dog park, lake access and so much more. $780,000
HISTORIC DAVIDSON!
WATERFRONT LOT!
18 ACRES OF WOODED PRIVACY!
ONE OWNER TOWNHOME! Gently used as a 2nd home only! Minutes from Lake Norman & steps from Lake Davidson. Walk to Grocery Store, Shopping, Dining, a lovely Pond to stroll around, and just a short walk to Davidson College & quaint Main Street. Open floor plan, 2 car garage located below your unit with an area for a home gym or storage. Enjoy breezy evenings entertaining or just relaxing on your rooftop terrace. This home is offered furnished & all appliances to remain. HOA dues include water and sewer. First floor has alley entry into the unit or you can enter the townhome from the street into the second floor that has a Living Room, Kitchen with granite, hardwoods and a Pantry, Half Bathroom and a Dining area with hardwoods. The third floor has the Laundry Closet, Owner's Suite and 2nd Bedroom with 2nd Full Bathroom. $379,900
WATERFRONT LOT! LARGE WATERFRONT PROPERTY IS A COMBINATION OF 2 LOTS! Quiet neighborhood and best of all it already has a dock in place and has shoreline improvements. Corner lot in quiet subdivision with no HOA and minimal restrictive covenants. Soil Scientist is already working on drawing up a system to acquire Health Department approval. Low Iredell county taxes. $379,000
6 AIR CONDITIONED GARAGES & LOTS OF STORAGE! Open floor plan w/over 5,000 sq/ ft of living space w/hardwoods and tile throughout. Huge kitchen w/stainless appliances and granite, large Dining and Great Room. Owner's Suite has whirlpool, separate shower and a dual sink vanity. The first floor offers a large Recreation Room, Laundry w/sink, Billiard & Dining Area w/a Wet Bar. Third floor has a large Bedroom/Bonus Room that would be great for a private home Office! Additional storage buildings on the property along w/a creek and cleared space to accommodate a barn and horses. $875,000
BRING YOUR BUILDER!
THE PENINSULA!
WATERFRONT!
CT! A R T N O C R UNDE
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HUNTERSVILLE! Bring your builder to this 5.58 acres of wooded privacy in Fabulously updated home in The Peninsula with gorgeous pool located in a Waterfront home in small Cornelius neighborhood. Over 5000 square feet of Huntersville! This beautiful land fronts on Asbury Chapel Rd, and is close to cul-de-sac. Large fenced and private backyard. Open floorplan with great flow. living area. $1,850,000 I-485, Charlotte and Downtown Huntersville restaurants, shopping and $1,650,000 Discovery Place Kids. City Water & Sewer is available at the street. Possible owner financing available. $279,000
“Because Experience Counts!” 2013-2021 Top Sales Associate Serving Lake Norman for over 34 Years! THE COURTYARDS ON LKN!
THIS FORMER MODEL HAS EVERYTHING! Main level offers primary Bedroom with Sitting Room, additional Bedroom, Office or Flex Room, spacious eat in Kitchen, Dining area, Family Room with fireplace, Laundry Room and an over sized 2-Car Garage. Upstairs is great for visitors, with a spacious Bedroom, Full Bath & Rec Room. While this is a 55+ neighborhood with only 67 homes, but this home's occupant is not of that age, so a buyer would not need to be 55+. The private backyard is surrounded by trees. This neighborhood offers some of the best amenities available, including a pool, clubhouse, fitness center, kitchen, card room, reading room, screened porch and several rooms available to meet friends or clients in. Just up the road is Ramsey Creek Park where you will find beach access, a dog park, lake access and so much more. $780,000 THE PENINSULA!
! D L SO Fabulously updated home in The Peninsula with gorgeous pool located in a cul-de-sac. Large fenced and private backyard. Open floorplan with great flow. $1,650,000
WATERVIEW IN THE PENINSULA!
! D L SO UPDATED WATERVIEW HOME ON A PRIVATE ELEVATED LOT! Enjoy Resort Style living complete with fantastic outdoor entertaining area, heated saltwater Pool/Spa, large travertine tile deck, and expansive views of Lake Norman. Mature trees, fully irrigated lush landscaping, and custom landscape lighting. 3 BRs upstairs with bonus room and wraparound sunroom. Walk-in attic with ample storage, two car epoxied garage with workshop or storage area, smartphone automation and so much more! $1,100,000
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4 BEDROOM Batth home The living room is very spacious and cozy and features a wood burning stove. The kitchen has an abundance of storage. The back yard is fenced in and very large, leaving plenty of room for the animals to play. The Metal Carport at the driveway and small shed on the left rear side of the property do not convey. $310,000 MLS# 3855680
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BEAUITFUL ranch home boasts a gorgeous large private backyard with fire pit, deck & patio.1350 sqft on a .37 acre lot. A bright kitchen with granite countertops overlooks the breakfast bar & dining area with a bay window. Vaulted ceiling in great room with gas fireplace. Master bedroom features a tray ceiling & bay window, walk-incloset,ensuitebathroomwithdoublesinks,gardentub&separateshower. $320,000MLS#3861335
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WATERFRONT Lot with 106 feet of waterfront in great location of Denver close to Hwy 16. Wonderful view , Cleared and level lot ready for your home. In a large cove just off the main channel. close to Westport Marina. County sewer available at the street. Buyer will have to pay to the tap/meter $250,000 MLS# 3871564
This is a great waterfront property, large level .50 acre lot with 100 ft, of Waterfront. New permitted Covered dock. it is tall enough that a lift can be installed pier and setting area on the water & 2 jet ski docks. 3 bedrooms 2 full baths. Spacious New kitchen cabinets, sink, granite counter tops & appliances. 2014 New Metal roof, 2018 new HVAC. new vinyl plank flooring with fresh interior paint. open floorplan. 27x8 screened porch and 20x12 Deck. Close the New Mountain Creek Park. Convenient location to travel to Mooresvil e, Charlotte, Hickory & Denver. $475,000 MLS# 3857763
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RBGYDQZ Ready to live in the country, but not to far away from what the city has to offer? This private lot is close to uptown attractions,restaurants,shopping,breweriesandLincolnCharterSchool.AlsoclosetoHwy321withaccesstoHickory and Gastonia. The road is a private dirt road with no known road maintenance agreement. Please see restrictions. Have adjoining lot available to purchase, see MLS# 3763097. Agent is related to seller. $12,000 MLS# 3763054
See this spacious 1992 home with open floorplan & split bedrooms setting on .51 acres. Large kitchen with pantry, lots of cabinets and counter space with spacious dining area. Laundry room off kitchen that leads to new deck and huge back yard. Living room with gas fireplace. Large primary bedroom with spacious closet and huge primary bathroom with garden tub and separate shower. Metal roof approx 5 165000 MLS# 3863493
704.483.6288
Text Message the Property Code to the number 52187 for more photos and details!!
www.WestNormanRealEstate.com
Susan Donaldson Tyler Thibault Cindy Estridge John Grindstaff Kevin McCauley Charles Whitley Jeanette Henderson REALTOR®/BROKER/OWNER ABR/SPS/SRES Licensed in NC/SC
704-400-3448
REALTOR®/BROKER Licensed in NC
980-241-8112
sgdonaldson@bellsouth.net tthibault21@yahoo.com
REALTOR®/BROKER SPS/ ABR/SRES Licensed in NC/SC
704-451-6057
REALTOR®/BROKER Licensed in NC
REALTOR®/BROKER Licensed in NC
828-612-8547
401-932-3152
cindyestridge1@gmail.com john.gridstaff@jagenterprisesinc.com kevinsellsnc@gmail.com
REALTOR®/BROKER Licensed in NC
704-497-7743
cwhitleyjr8@gmail.com
Tina Clark
REALTOR®/BROKER Licensed in NC/SC
REALTOR®/BROKER Licensed in NC
803-367-1789
980-429-5562
jeanette.henderson@gmail.com tinaclarkrealestate@gmail.com