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200 Seven Oaks Lndg, Belmont, NC, 28012

5beds
5baths
4,449sqft
$1,225,000
$275price/sqft
$8,009/moest. monthly cost
$320,360/yrincome needed

About This Home

Here’s a version of Charlotte area living that gives you more of what you moved here for: more space, more time outside, more house for your money, and Lake Wylie close enough to become part of your everyday life. That’s the appeal of Belmont. Spend the morning on the water, come home and leave the city pace behind. Take the golf cart out for an evening ride. Have coffee on the screened porch, dinner outside, then end the night around the firepit. And when Charlotte calls, Uptown and Charlotte Douglas International Airport are still within easy reach. This home was made for that kind of life. The large, beautifully landscaped corner lot gives the home an open, impressive presence and creates an outdoor setting that feels expansive rather than confined. The screened porch flows into a backyard designed to be enjoyed, with a patio and firepit ready for long evenings outside. Inside, the primary suite on the main level makes everyday living easy, while four additional bedrooms provide remarkable flexibility for guests, offices, hobbies, or changing needs over time. Expansive windows fill the open main level with natural light, and the oversized kitchen island, custom pantry, fireplace and generous gathering spaces make this a home that feels just as good with a houseful of people as it does on a quiet Sunday morning. And then there are the details you don't have to add later: smart lighting, smart locks, irrigation, plantation shutters, custom window treatments, whole-house water filtration and a rare three-car garage. This is the opportunity: the Lake Wylie lifestyle without the waterfront price tag, the space that's increasingly difficult to find closer to Charlotte, and a home that gives you room to actually enjoy it. Come see what life in Belmont can look like.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

10/10
10/10
Cramerton Middle SchoolGrades 6-85.1 mi
8/10
South Point High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Partial,Fiber Cement,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,Transitional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Exhaust Hood,Filtration System,Freezer,Gas Oven,Gas Range,Microwave,Refrigerator,Wall Oven
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Sink

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Full

  • Features: Built-in Features,Walk-In Closet(s)
  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Features: En Suite Bathroom,Vaulted Ceiling(s),Walk-In Closet(s)
  • Level: Upper

Bedroom S

  • Features: Vaulted Ceiling(s),Walk-In Closet(s)
  • Level: Upper

Bedroom S

  • Features: Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper

Bedroom S

  • Features: Ceiling Fan(s),Walk-In Closet(s)
  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Breakfast

  • Features: Open Floorplan
  • Level: Main

Dining Room

  • Level: Main

Features

  • Drop Zone,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s),Walk-In Pantry
  • Door features: French Doors,Sliding Doors,Storm Door(s)
  • Window features: Window Treatments
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Gas Log,Great Room
  • Attic: Walk-In
  • Finished area below ground: 0
  • Finished area above ground: 4,449

Heating & Cooling

  • Heating features: Forced Air,Zoned
  • Cooling features: Central Air,Multi Units,Zoned

Interior Area

  • Total structure area: 4,449
  • Total interior livable area: 4,449 sqft

Kitchen

  • Features: Built-in Features,Kitchen Island,Open Floorplan,Storage,Walk-In Pantry
  • Level: Main

Laundry

  • Features: Built-in Features,Drop Zone,Storage
  • Level: Main

Office

  • Level: Main

Other

  • Features: Ceiling Fan(s),Open Floorplan
  • Level: Main

Other

  • Features: Open Floorplan
  • Level: Main

Primary Bedroom

  • Features: En Suite Bathroom,Tray Ceiling(s),Walk-In Closet(s)
  • Level: Main

Property

Details

  • Parcel number: 224173
  • Zoning: GR-CD
  • Special condition: Standard
  • Other equipment: Other - See Remarks
  • Exclusions: Reformer garage

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Covered,Rear Porch,Screened
  • Exterior features: Fire Pit,In-Ground Irrigation
  • Fencing: Back Yard
  • Waterbody name: Lake Wylie

Lot

  • Lot size: 0.66 Acres
  • Features: Cleared,Corner Lot

Parking

  • Total spaces: 3
  • Parking features: Driveway,Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
    Ice StormRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Inland Flooding
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Gaston 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 $6,194$74,328
Home Insurance *$354$4,248
Property Taxes $1,047$12,564
Electricity $414$4,972
Total$8,009$96,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$274,594/yr
40% on housing$240,270/yr
45% on housing$213,573/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: 16.2%
16.2%
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

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 28012$209
Gaston County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 28012$223
Gaston County$187

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
2026-08-13Price change$1,199,888
2026-06-05Listed for sale$1,225,000
2023-02-22Sold$1,160,000
2023-02-08Pending sale$1,195,000
2022-12-13Listed for sale$1,195,000
2020-10-13Sold$816,000
2016-11-30Sold$800,000

For Sale by Agent

AgentLaura Wales
BrokerageIvester Jackson Christie's

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