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6132 Sandy Point Ln, Belmont, NC, 28012

5beds
5baths
4,414sqft
$925,000
$210price/sqft
$6,530/moest. monthly cost
$261,200/yrincome needed

About This Home

Welcome to this exceptional two-story residence with a fully finished basement in the highly sought-after McLean Overlake community. Thoughtfully designed with both elegance and functionality in mind, this beautifully appointed home offers expansive living spaces, abundant natural light, and remarkable flexibility for today’s lifestyle. At the heart of the home, the open-concept main level showcases a gourmet kitchen featuring stainless steel appliances, a gas cooktop, and an oversized island that effortlessly brings everyone together. The kitchen flows seamlessly into the spacious family room, creating a warm and inviting atmosphere. Tucked away for privacy, the main-level primary suite offers a peaceful retreat, while a dedicated home office provides the perfect work-from-home space. Upstairs, there are two generously sized bedrooms, a full bath, and a cozy loft. The fully finished basement takes this home’s versatility to the next level, offering an impressive second living space complete with a full second kitchen, large living area, second primary suite, guest bedroom with ensuite bath, second office, and generous walk-in storage rooms. With its own private entrance, extended driveway, and additional parking, this impressive space is ideally suited for multi-generational living, entertaining with ease, or simply more room to spread out. Outdoor living is equally inviting with a charming front porch, covered balcony, and covered rear porch—perfect for relaxing, entertaining, and enjoying the peaceful surroundings. Ideally located just minutes from downtown Belmont and walkable to Daniel Stowe Botanical Garden, this remarkable home offers the perfect blend of comfort and convenience in beautiful Belmont.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

10/10
10/10
Cramerton Middle SchoolGrades 6-84.5 mi
9/10
South Point High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 2021

Materials

  • Construction materials: Fiber Cement,Stone Veneer

Other

  • Builder model: Belmont
  • Builder name: Evans Coghill

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Gas Cooktop,Microwave,Refrigerator,Tankless Water Heater,Washer/Dryer
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Exterior Entry,Finished,Interior Entry,Storage Space,Walk-Out Access,Walk-Up Access

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Basement

Bathroom Full

  • Level: Basement

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Basement

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Basement

Dining Area

  • Level: Main

Family Room

  • Level: Main

Features

  • Drop Zone,Kitchen Island,Open Floorplan,Storage,Walk-In Closet(s),Walk-In Pantry
  • Door features: French Doors
  • Flooring: Carpet,Hardwood,Tile
  • Attic: Walk-In
  • Finished area below ground: 1,520
  • Finished area above ground: 2,894

Heating & Cooling

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

Interior Area

  • Total structure area: 2,894
  • Total interior livable area: 4,414 sqft

Kitchen

  • Level: Main

Kitchen

  • Level: Basement

Laundry

  • Level: Main

Loft

  • Level: Upper

Office

  • Level: Main

Office

  • Level: Basement

Other

  • Level: Basement

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 300628
  • Zoning: R
  • Special condition: Standard
  • Other equipment: Generator

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Patio & porch: Balcony,Covered,Front Porch,Porch

Lot

  • Lot size: 0.25 Acres
  • Features: Wooded

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Faces Front,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 $4,677$56,124
Home Insurance *$267$3,204
Property Taxes $1,175$14,100
Electricity $411$4,933
Total$6,530$78,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$223,885/yr
40% on housing$195,900/yr
45% on housing$174,133/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

$210This 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
2026-05-13Listed for sale$925,000
2021-07-16Sold$627,272
2020-09-21Sold$80,500
2020-05-13Listed for sale$458,750

For Sale by Agent

AgentMargo Wells
BrokerageDickens Mitchener & Associates Inc

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