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547 Cottage Garden Ln, Belmont, NC, 28012

5beds
3baths
2,649sqft
$573,755
$217price/sqft
$3,681/moest. monthly cost
$147,240/yrincome needed

About This Home

Have you been waiting to purchase a home surrounded by the serenity of nature! NOW is the time! Michaux Gardens is Now Selling! And we are offering AMAZING incentives for our Grand Opening Event - Come visit and see for yourself! Welcome to Michaux Gardens! This expansive 2-story Hampton floor plan features a Main Level Guest Suite, Cozy Corner Gas Fireplace plus an added spacious Covered back Lanai, perfect for relaxation and entertainment. The upgraded kitchen boasts high-end KitchenAid gas appliances, making it a chef's dream. This beautiful home is move-in ready June 2026. Please note, photos are for illustrative purposes only. Our sales office is open Tuesday to Saturday from 10 AM to 5:30 PM, and Sunday to Monday from 12 noon to 5:30 PM. Please contact Sunday Lewandowski Dunn to schedule your appointment!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

10/10
10/10
Cramerton Middle SchoolGrades 6-83.9 mi
9/10
South Point High SchoolGrades 9-123.7 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Construction materials: Hardboard Siding,Stone Veneer

Other

  • Builder model: Hampton
  • Builder name: Pulte Homes Inc, LLC

Type & Style

  • Home type: SingleFamily
  • Architectural style: Transitional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Fan,Gas Range,Gas Water Heater,Microwave,Plumbed For Ice Maker,Tankless Water Heater
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

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

Dining Area

  • Level: Main

Features

  • Kitchen Island,Walk-In Pantry
  • Flooring: Carpet,Vinyl
  • Fireplace features: Gas,Great Room
  • Finished area below ground: 0
  • Finished area above ground: 2,649

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: ENERGY STAR Qualified Equipment,Natural Gas
  • Cooling features: Ceiling Fan(s),ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 2,649
  • Total interior livable area: 2,649 sqft

Laundry

  • Level: Upper

Loft

  • Level: Upper

Primary Bedroom

  • Level: Upper

Property

Accessibility

  • Accessibility features: Two or More Access Exits

Details

  • Parcel number: TBD
  • Zoning: RES
  • Special condition: Standard
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Patio
  • Waterfront features: None

Lot

  • Lot size: 0.19 Acres

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 $2,901$34,812
Home Insurance *$166$1,992
Property Taxes $368$4,416
Electricity $246$2,960
Total$3,681$44,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,205/yr
40% on housing$110,430/yr
45% on housing$98,160/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

$217This 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
2026-05-05Listed for sale$602,755

New Construction

AgentSunday Lewandowski
BrokeragePulte Home Corporation

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