514 Cottage Garden Ln, Belmont, NC, 28012
About This Home
The only new single-family home community with direct access and included membership to the Daniel Stowe Botanical Gardens! The Stonehaven floorplan boasts an open concept kitchen with island adjacent to breakfast area and family room making this home perfect for entertaining. Formal dining room and butler’s pantry, study with double doors, mudroom with drop zone, a guest bedroom and a full bathroom finish out the main floor living area. Enjoy mornings and evenings on the covered screened porch just off the breakfast area. On the second level you will find the oversized primary suite with tray ceiling and two generous walk-in closets, a breathtaking bathroom with separate vanities, soaking tub, seated tile shower and private water closet. 3 spacious secondary bedrooms, 2 with walk-in closets. A loft, 2 full bathrooms and spacious laundry room finish out this well-designed home. May/June 2026 estimated completion. Ask me about the special closing cost incentive.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Slab
- Construction materials: Brick Partial,Fiber Cement
Other
- Builder model: Stonehaven Elevation 7
- Builder name: DRB Homes
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Convection Oven,Dishwasher,Disposal,Electric Oven,Electric Water Heater,Exhaust Fan,Exhaust Hood,Gas Cooktop,Microwave,Plumbed For Ice Maker,Wall Oven
- Laundry features: Electric Dryer Hookup,In Hall,Inside,Laundry Room,Upper Level,Washer Hookup
Bathroom Full
- Level: Main
Bathroom Full
- Features: Garden Tub
- Level: Upper
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Upper
Bedroom S
- Level: Main
Bedroom S
- Level: Upper
Bedroom S
- Features: Walk-In Closet(s)
- Level: Upper
Bedroom S
- Features: Walk-In Closet(s)
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
- Main level bedrooms: 1
Breakfast
- Features: Open Floorplan
- Level: Main
Dining Room
- Features: Tray Ceiling(s)
- Level: Main
Family Room
- Features: Open Floorplan
- Level: Main
Features
- Attic Other,Drop Zone,Soaking Tub,Kitchen Island,Open Floorplan,Walk-In Closet(s),Walk-In Pantry
- Flooring: Carpet,Tile,Vinyl
- Fireplace features: Family Room,Gas,Gas Log,Gas Vented
- Attic: Other
- Finished area below ground: 0
- Finished area above ground: 3,657
Heating & Cooling
- Heating features: Natural Gas,Zoned
- Cooling features: Central Air,Zoned
Interior Area
- Total structure area: 3,657
- Total interior livable area: 3,657 sqft
Kitchen
- Features: Kitchen Island,Open Floorplan,Walk-In Pantry
- Level: Main
Laundry
- Features: Attic Other
- Level: Upper
Loft
- Level: Upper
Other
- Features: Drop Zone
- Level: Main
Primary Bedroom
- Features: En Suite Bathroom,Tray Ceiling(s),Walk-In Closet(s)
- Level: Upper
Study
- Level: Main
Property
Details
- Parcel number: 315777
- Zoning: S-R
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 0.19 Acres
Parking
- Total spaces: 2
- Parking features: Driveway,Attached Garage,Garage Door Opener,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
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Gaston County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,412 | $40,944 |
| Home Insurance * | $195 | $2,340 |
| Property Taxes | $433 | $5,196 |
| Electricity | $340 | $4,087 |
| Total | $4,380 | $52,560 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-06 | Price change | $674,899 |
| 2026-02-04 | Price change | $674,900 |
| 2026-01-07 | Price change | $687,900 |
| 2025-12-17 | Listed for sale | $688,114 |
New Construction Spec
View on Zillow