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14028 Lake Home Ln, Charlotte, NC, 28278

5beds
4baths
2,519sqft
$525,000
$208price/sqft
$3,354/moest. monthly cost
$134,160/yrincome needed

About This Home

Nestled in the Village at North Reach, this two-story home built in 2024 is a must-see! Step inside to engineered hardwoods throughout the main level and an open-concept layout ideal for everyday living and entertaining. The kitchen features a gas range, stainless steel appliances, a large island with additional seating, and a walk-in pantry with a beverage refrigerator. It opens seamlessly to the dining area and living room. A main-level guest suite with access to a full bath offers flexibility for visitors or a home office, while a convenient half bath completes the main floor. Upstairs, a versatile family room provides additional living space. The primary suite includes a tray ceiling, an expansive walk-in closet and an en-suite bath with a double vanity and walk-in shower. Three additional bedrooms, a full bath, and a conveniently located laundry room complete the upper level. Enjoy the abundant closet space and storage throughout the home. Residents enjoy exceptional community amenities, including access to The Lake House, available for private events for a fee, kayak storage (additional fee), and lake access for swimming, paddleboarding, and kayaking (no motorized boats). A standout feature of this home is the social membership to Palisades Country Club included in your HOA dues, offering access to tennis, the outdoor pool, fitness facilities, and dining amenities (food and beverage charges not included). Additional membership levels are available for an added fee—see attachments for details. Come experience all this beautiful home and vibrant community have to offer!

Getting Around

3
WalkingCar-Dependent
0
TransitNo Nearby Transit
18
BikeSomewhat Bikeable

Schools

8/10
1/10
Southwest Middle SchoolGrades 6-82.7 mi
8/10
Palisades High SchoolGrades 9-110.7 mi

Construction

Condition

  • Year built: 2024

Materials

  • Foundation: Slab
  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Gas Range,Microwave,Tankless Water Heater
  • Laundry features: Laundry Room,Upper Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Area

  • Level: Main

Family Room

  • Level: Upper

Features

  • Kitchen Island,Walk-In Closet(s),Walk-In Pantry
  • Flooring: Carpet,Tile,Wood
  • Finished area below ground: 0
  • Finished area above ground: 2,519

Heating & Cooling

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

Interior Area

  • Total structure area: 2,519
  • Total interior livable area: 2,519 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Primary Bedroom

  • Level: Upper

Property

Details

  • Parcel number: 21722753
  • Zoning: MX-3
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community
  • Waterfront features: Paddlesport Launch Site - Community
  • Waterbody name: Lake Wylie

Lot

  • Lot size: 0.12 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Tornado

FEMA Declared Disasters in Mecklenburg 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 $2,654$31,848
Home Insurance *$157$1,884
Property Taxes $309$3,708
Electricity $234$2,815
Total$3,354$40,248
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,994/yr
40% on housing$100,620/yr
45% on housing$89,440/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: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 28278$226
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28278$214
Mecklenburg County$238

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
2026-04-07Price change$539,900
2026-02-19Price change$549,900
2026-02-14Listed for sale$559,900
2024-08-29Sold$569,000

For Sale by Agent

AgentPhil Puma
BrokeragePuma & Associates Realty, Inc.

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