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2609 Lakefront Dr, Belmont, NC, 28012

4beds
3baths
2,989sqft
$650,000
$217price/sqft
$4,122/moest. monthly cost
$164,880/yrincome needed

About This Home

This exceptional 4-bedroom, 3-full-bath home offers a wealth of upgrades and thoughtful features throughout. From the moment you step inside the grand entrance, you are welcomed into a beautifully appointed dining room with an elegant, coffered ceiling, setting the tone for the quality found in every room. A spacious office or flexible room provides the perfect space for working from home or pursuing hobbies. The main floor also includes a comfortable bedroom and a full bathroom, making it ideal for guests or multi-generational living. The living room seamlessly connects to the bright breakfast area and the modern kitchen, creating an open and inviting atmosphere for daily living and entertaining. The kitchen is a chef’s delight, featuring a central island, granite countertops, and sleek stainless-steel appliances. Imagine starting your day with a cup of coffee under the covered patio, overlooking a flat backyard adorned with fruit trees and garden spaces. A newly installed 6-foot privacy fence completely encloses the backyard, ensuring a tranquil and private outdoor retreat. Upstairs, the expansive master bedroom includes a generous sitting area, both spaces enhanced by high tray ceilings that create a grand and airy feel. A cozy loft provides additional living space, while two more bedrooms and a convenient hall bathroom complete the upper level, offering plenty of room for family and guests. This beautifully upgraded home is has been freshly painted and is truly a must-see. Don’t miss the chance to experience all it has to offer in person!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

10/10
10/10
Cramerton Middle SchoolGrades 6-83.5 mi
9/10
South Point High SchoolGrades 9-122.8 mi

Construction

Condition

  • Year built: 2018

Materials

  • Foundation: Slab
  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Gas Range,Microwave,Plumbed For Ice Maker
  • Laundry features: Electric Dryer Hookup,Laundry Room,Upper Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 1

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Features

  • Breakfast Bar,Soaking Tub,Kitchen Island,Pantry,Walk-In Closet(s)
  • Fireplace features: Great Room,Wood Burning
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,989

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Central,Heat Pump,Zoned
  • Cooling features: Ceiling Fan(s),Central Air,Zoned

Interior Area

  • Total structure area: 2,989
  • Total interior livable area: 2,989 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Loft

  • Level: Upper

Office

  • Level: Main

Other

  • Level: Upper

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 227371
  • Zoning: res
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch,Patio,Rear Porch
  • Fencing: Fenced

Lot

  • Lot size: 0.73 Acres
  • Features: Orchard(s),Level

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $3,286$39,432
Home Insurance *$188$2,256
Property Taxes $370$4,440
Electricity $278$3,340
Total$4,122$49,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,325/yr
40% on housing$123,660/yr
45% on housing$109,920/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

$217This listing

vs Other Active Listings

Avg $/sqft

ZIP 28012$210
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)

No zestimate history available

Price History

DateEventPrice
2026-05-05Price change$650,000
2026-05-01Listed for sale$675,000
2021-01-28Sold$440,000
2020-10-26Contingent$450,000
2020-10-24Pending sale$450,000
2020-10-15Listed for sale$450,000

For Sale by Agent

AgentAndrew Nagy, Nagy Properties, Andrea Dingwell, Nagy Properties
BrokerageNagy Properties

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