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46 Mariners Point Ln, Hickory, NC, 28601

4beds
4baths
4,188sqft
$1,249,999
$298price/sqft
$7,906/moest. monthly cost
$316,240/yrincome needed

About This Home

HUGE PRICE IMPROVEMENT and Motivated seller! This property offers LUXURY and the VACATION LIFESTYLE right from home. Nestled on a great open water lot in prestigious Olivers Landing… Hickory’s only golf course & lakefront community. Located 10 mins from Downtown Viewmont/Hickory, where you can find a mecca of shopping, dining, social establishments, or just dine in the community’s very own restaurant on the course! This executive-style full brick home offers tons of upgrades and a SHORT distance to your personal covered 3-SLIP DOCK! Upgrades include all-new Trex deck/railing in 2023, HVAC 2023, full yard irrigation 2020, LVP hardwoods (basement) 2023, and more! The fully composite dock with metal roof boasts a large covered slip, 2 side slips, plus double 10,000-pound boat lifts! Upon entry, note the home’s abundant natural light, real hardwoods, and spacious rooms. On the main level, you have an open kitchen with dining area, plentiful cabinets, granite countertops, pantry, formal dining room, and a 1/2 bath for guests. Enjoy the inviting living room with a lovely fireplace and lake views from the entire back of the home. Wanting a bedroom on the main? There is an office that could easily be converted to a 5th bedroom. Upstairs, you will love the split-bedroom floor plan, with the primary offering a walk-in closet and private bath with jacuzzi tub and custom-tiled shower. Every bedroom is of ample size with walk-in or double closets. There’s more… downstairs presents endless possibilities for fun with the HUGE open-concept family room, 2nd garage, storage room, and half bath. Enjoy year-round views from the back deck stretching the length of the home and the lower poured porch. Don’t miss out on this one… be settled in right before summer!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
Bethlehem ElementaryGrades PK-52.7 mi
9/10
West Alexander MiddleGrades 6-85.1 mi
3/10
Alexander Central HighGrades 9-1211.3 mi

Construction

Condition

  • Year built: 1993

Materials

  • Construction materials: Brick Full

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Electric Water Heater,Exhaust Fan,Microwave,Refrigerator with Ice Maker,Trash Compactor
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Basement Garage Door,Exterior Entry,Interior Entry,Partially Finished,Storage Space

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bathroom Half

  • Level: Basement

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Dining Room

  • Level: Main

Features

  • Breakfast Bar,Built-in Features,Soaking Tub,Pantry,Storage,Walk-In Closet(s),Walk-In Pantry,Whirlpool,Other - See Remarks
  • Window features: Window Treatments
  • Flooring: Tile,Wood
  • Fireplace features: Gas Log,Living Room
  • Attic: Walk-In
  • Finished area below ground: 1,117
  • Finished area above ground: 3,071

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,071
  • Total interior livable area: 4,188 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Main

Primary Bedroom

  • Level: Upper

Recreation Room

  • Level: Basement

Utility Room

  • Level: Basement

Property

Details

  • Parcel number: 3705849495
  • Zoning: R-20
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Rear Porch
  • Exterior features: In-Ground Irrigation,Other - See Remarks
  • Has view: Yes
  • View description: Water,Year Round
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Boat Lift,Boat Ramp – Community,Dock,Waterfront
  • Waterbody name: Lake Hickory

Lot

  • Lot size: 0.46 Acres
  • Features: Cleared,Views

Parking

  • Total spaces: 3
  • Parking features: Basement,Attached Garage,Garage Faces Side,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Inland Flooding
Lightning
Strong Wind
Tornado
Cold Wave
Hail
Winter Weather

FEMA Declared Disasters in Alexander County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,320$75,840
Home Insurance *$452$5,424
Property Taxes $744$8,928
Electricity $390$4,680
Total$7,906$94,872
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$271,062/yr
40% on housing$237,180/yr
45% on housing$210,826/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.2%
15.2%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$298This listing

vs Other Active Listings

Avg $/sqft

ZIP 28601$169
Alexander County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 28601$183
Alexander County$167

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-27Price change$1,249,999
2026-04-13Price change$1,349,999
2026-03-18Price change$1,399,999
2026-02-23Price change$1,450,000
2026-02-06Listed for sale$1,500,000
2021-04-14Sold$580,000
2021-03-01Pending sale$599,000
2021-02-03Listed for sale$599,000
2006-02-17Sold$65,000

For Sale by Agent

AgentChristie Leonard
BrokerageWNC Real Estate at Lake James

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