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5100 Watercrest Trl, Belmont, NC, 28012

4beds
3baths
3,027sqft
$684,900
$226price/sqft
$4,793/moest. monthly cost
$191,720/yrincome needed

About This Home

Welcome to this meticulously upgraded corner-lot masterpiece in Belmont, where “builder basic” apparently offended the owners personally. With more than $50,000 in custom upgrades, this is the home for buyers who want the upgrades already done instead of spending the next few years making a perfectly nice house their dream home. The showstopper is the $20,000 Pella multi-slide glass door system, which opens completely to create an incredible connection between the living space and backyard. The doors also feature lifetime-guaranteed blinds between the glass, providing privacy and convenience without sacrificing the clean look. Step outside and prepare to entertain. The expanded patio is anchored by a jaw-dropping $13,000 Queen City premium fire table. Yes, $13,000 for a fire table. Your marshmallows have officially entered the luxury market. Gather around it with friends, enjoy a beverage, and casually pretend you didn’t spend more on your fire table than some people spend on their first car. The spacious screened porch by Charlotte Screen Guys offers the perfect place to relax without donating your body to every mosquito in Gaston County. The $4,000 fully fenced backyard provides privacy, security, and plenty of room for pets, kids, or anyone who needs to burn off some energy. When the sun goes down, $3,000 in professional Charlotte Tri Light soffit lighting makes the home glow like the neighborhood VIP section. Inside, the upgrades continue. Extensive California Closets additions include a custom gourmet pantry and integrated media built-ins, while Closets by Design maximizes storage in every bedroom. If you still find yourself saying, “I don't have anywhere to put this,” that may officially be a you problem. The designer laundry room features custom cabinetry and dedicated folding space because laundry still isn't fun, but at least it can now be done with dignity. A $2,500 premium energy-efficient window tinting package adds privacy and UV protection while potentially helping with energy efficiency. Translation: the sunshine can still come over, but it doesn't get to stare at you. Located on a desirable corner lot in Belmont, this heavily customized, turn-key home offers the kind of thoughtful improvements that are difficult to replicate without significant time, money, and a whole lot of patience. The expensive projects are already finished, the entertaining spaces are ready, the storage is dialed in, and even the backyard has its own luxury fire feature. This isn't just a house. It's what happens when someone says, “Let's upgrade it,” and then absolutely refuses to stop. With a newly reduced price and more than $50,000 in upgrades, this is a home you need to see in person. Come experience the Pella doors, the screened porch, the incredible backyard, the custom storage, and, of course, the $13,000 fire table. Because let's be honest—you already want to see the fire table. Schedule your private tour today before someone else gets it and you have to explain to your spouse why you passed on the house with the $13,000 fire table.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

10/10
10/10
Cramerton Middle SchoolGrades 6-84.6 mi
8/10
South Point High SchoolGrades 9-124.0 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Construction materials: Brick Partial,Hardboard Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,ENERGY STAR Qualified Dishwasher,Exhaust Hood,Gas Range,Microwave,Refrigerator with Ice Maker,Tankless Water Heater,Washer/Dryer
  • Laundry features: Laundry Room,Upper Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

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

Bonus Room

  • Level: Upper

Dining Area

  • Level: Main

Dining Room

  • Level: Main

Features

  • Kitchen Island,Open Floorplan,Pantry,Walk-In Pantry
  • Door features: French Doors,Sliding Doors
  • Flooring: Carpet,Vinyl
  • Fireplace features: Gas Log,Living Room
  • Finished area below ground: 0
  • Finished area above ground: 3,027

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,027
  • Total interior livable area: 3,027 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 300606
  • Zoning: R
  • Special condition: Standard
  • Other equipment: Surround Sound
  • Exclusions: TV Mounts,RO and Whole Home Water System

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Covered,Enclosed,Front Porch,Rear Porch,Screened
  • Exterior features: Fire Pit,Other - See Remarks
  • Fencing: Back Yard,Fenced

Lot

  • Lot size: 0.28 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,Keypad Entry,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
    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 $3,463$41,556
Home Insurance *$198$2,376
Property Taxes $851$10,212
Electricity $281$3,383
Total$4,793$57,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$164,331/yr
40% on housing$143,790/yr
45% on housing$127,813/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

$226This 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)

Price History

DateEventPrice
2026-08-15Price change$649,000
2026-07-15Price change$684,900
2026-06-23Price change$694,900
2026-06-12Listed for sale$699,900
2021-07-02Sold$425,000
2020-11-19Sold$79,000

For Sale by Agent

AgentKeith Rushman
BrokerageSouthern Homes of the Carolinas, Inc

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