227 Bay Shore Dr, Belmont, NC, 28012
About This Home
THIS IS A MUST SEE! WATER VIEW and GORGEOUS in Belmont! SO UNIQUE and JUST REDUCED! NO HOA! If you want space and privacy with peaceful views of Lake Wylie, look no further! This home features 5 Bedrooms, 3 FULL Baths and a large bonus room. 1.59 acres situated on a Cul-de-sac/dead end road with incredible privacy. All brick and move in ready! Step in the front door and be greeted by hardwood floors throughout the main and brand new LVP upstairs - no carpet. Freshly painted interior with the amazing snowbound color! Dining room and adjacent room with windows facing the water view. Great floorplan with a bedroom and full bath downstairs - perfect for guests or could be used as the Primary or an office. Open concept layout featuring Kitchen with ss appliances, including a brand new refrigerator, beautiful backsplash and granite countertops - ajdoining Butler's pantry. Huge closet for pantry/storage. Large living room with gas fireplace. Upstairs you will find 4 more bedrooms, including the large Primary with ensuite and walk-in closet. Big Bonus room that could be used for so many things as well as a dedicated laundry room. Bring your rocking chairs for the large screened porch to relax and enjoy the private wooded setting. Fenced backyard. Newly stained deck perfect for grilling out and entertaining. Sit by the fire and enjoy the big sky! 2-car garage and tons of extra parking with the long driveway. All of this and just minutes to downtown Belmont, Charlotte and the SC line! Dining and shopping right down the road, including a new Publix being built. This is a rare property that you don't want to miss! Checks all the boxes! Schedule your showing today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2016
Materials
- Foundation: Crawl Space
- Construction materials: Brick Full
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Ice Maker,Refrigerator
- Laundry features: Laundry Room,Upper Level
Bathroom Full
- Level: Main
Bedroom S
- Level: Main
Bedroom S
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 1
Dining Room
- Level: Main
Features
- Flooring: Laminate,Hardwood,Tile
- Fireplace features: Gas Log,Living Room
- Finished area below ground: 0
- Finished area above ground: 3,471
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 3,471
- Total interior livable area: 3,471 sqft
Kitchen
- Level: Main
Laundry
- Level: Upper
Living Room
- Level: Main
Other
- Level: Upper
Primary Bedroom
- Level: Upper
Property
Details
- Parcel number: 216886
- Zoning: R-1
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck,Screened
- Fencing: Back Yard
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterbody name: Lake Wylie
Lot
- Lot size: 1.59 Acres
- Features: Cul-De-Sac,Private,Views,Wooded,Other - See Remarks
Parking
- Total spaces: 2
- Parking features: Driveway,Attached Garage,Garage on Main Level
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
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
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Gaston County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,297 | $51,564 |
| Home Insurance * | $245 | $2,940 |
| Property Taxes | $491 | $5,892 |
| Electricity | $323 | $3,879 |
| Total | $5,356 | $64,272 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-04 | Price change | $799,000 |
| 2026-07-14 | Price change | $849,900 |
| 2026-06-11 | Price change | $875,000 |
| 2026-05-23 | Listed for sale | $895,000 |
| 2017-10-27 | Sold | $525,000 |
| 2017-02-03 | Sold | $369,500 |
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