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773 River Park Rd, Belmont, NC, 28012

4beds
3baths
2,006sqft
$409,900
$204price/sqft
$2,714/moest. monthly cost
$108,560/yrincome needed

About This Home

DEEDED BOAT SLIP INCLUDED! This isn't just a townhome—it's one of the most affordable ways to own the lake lifestyle you've been dreaming about. Skip the marina waitlists because your boat has a permanent home, and it conveys with the property. Opportunities like this in Waters Edge are incredibly rare. Welcome to one of Belmont's most desirable waterfront communities, where neighbors become friends, weekends are spent on the water, and summer never really ends. From the inviting front porch with room for rocking chairs to the beautifully designed interior, every space was created for comfortable everyday living and effortless entertaining. The open-concept main level seamlessly connects the kitchen, dining area, breakfast bar, and spacious family room, creating the perfect gathering place for family and friends. Granite countertops, stainless steel appliances, abundant cabinet space, and a convenient drop zone make daily life both functional and stylish. A flexible main-level room with a closet provides the perfect fourth bedroom, private home office, or guest space, while a conveniently located half bath completes the first floor. Step outside to your own private backyard retreat. A fully fenced yard, expansive patio, additional seating area, and low-maintenance artificial turf mean you'll spend your weekends enjoying life instead of maintaining it. Upstairs, the spacious primary suite features an elegant tray ceiling and a spa-inspired bath with a large walk-in shower and built-in bench. One of the home's most thoughtful features is the oversized walk-in closet with direct access to the laundry room—a convenience you'll appreciate every single day. Two additional bedrooms and a full bath complete the upper level. Beyond your front door, the Waters Edge lifestyle continues with a community pool just a short walk away, nearby Tailrace Marina, the Belmont YMCA, JR Cash's Grill & Bar, charming downtown Belmont, and quick access to I-85 for an easy Charlotte commute. The deeded boat slip sets this property apart. It's not a shared community amenity or a waiting list opportunity—it conveys with the home, giving you permanent access to the Catawba River whenever adventure calls. Combine that with a beautifully maintained four-bedroom townhome, private outdoor living space, and an unbeatable Belmont location, and you'll understand why opportunities like this rarely come available.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

5/10
Belmont Middle SchoolGrades 6-83.3 mi
8/10
South Point High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Slab
  • Construction materials: Stone Veneer,Vinyl

Other

  • Builder name: Brookeline

Type & Style

  • Home type: Townhouse
  • Architectural style: Transitional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Microwave
  • Laundry features: Laundry Room

Bathroom Full

  • Level: Upper
  • Area: 104.5
  • Dimensions: 11' 0" X 9' 6"

Bathroom Full

  • Level: Upper
  • Area: 81.6714
  • Dimensions: 9' 5" X 8' 8"

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Main
  • Area: 129.7714
  • Dimensions: 9' 8" X 13' 5"

Bedroom S

  • Level: Upper
  • Area: 148.865
  • Dimensions: 15' 8" X 9' 6"

Bedroom S

  • Level: Upper
  • Area: 149.2161
  • Dimensions: 11' 4" X 13' 2"

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Area

  • Level: Main
  • Area: 128.625
  • Dimensions: 12' 3" X 10' 6"

Features

  • Door features: Sliding Doors
  • Attic: Pull Down Stairs
  • Finished area below ground: 0
  • Finished area above ground: 2,006

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,006
  • Total interior livable area: 2,006 sqft

Kitchen

  • Level: Main
  • Area: 177.625
  • Dimensions: 12' 3" X 14' 6"

Laundry

  • Level: Upper
  • Area: 46.9775
  • Dimensions: 8' 2" X 5' 9"

Living Room

  • Level: Main
  • Area: 266.77
  • Dimensions: 14' 5" X 18' 6"

Primary Bedroom

  • Level: Upper
  • Area: 192.3136
  • Dimensions: 15' 11" X 12' 1"

Property

Details

  • Parcel number: 300989
  • Zoning: RES
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Main
  • Patio & porch: Front Porch,Patio
  • Fencing: Fenced,Privacy
  • Waterfront features: Boat Slip (Deed)
  • Waterbody name: Catawba River

Lot

  • Lot size: 0.05 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached Garage,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind

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 $2,072$24,864
Home Insurance *$118$1,416
Property Taxes $324$3,888
Electricity $200$2,405
Total$2,714$32,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,051/yr
40% on housing$81,420/yr
45% on housing$72,373/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

$204This 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
2026-07-21Price change$409,900
2026-06-13Listed for sale$415,000
2020-12-22Sold$297,500

For Sale by Agent

AgentLorie Stadick
BrokerageERA Live Moore

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