551 Cottage Garden Ln, Belmont, NC, 28012
About This Home
Ranch-style living! Primary ensuite and 2 guest bedrooms on the main floor! Have you been waiting to purchase a home in Belmont near the beautiful Daniel Stowe Botanical Gardens with a free Included membership? Michaux Gardens is your answer! And NOW is the time! Michaux Gardens is offering AMAZING incentives for our Grand Opening Event this weekend. Come see for yourself why Michaux Gardens is the place to call home! Our Grand Opening is this Saturday 5/9/26 and we can't wait to offer you Amazing Incentives for our Grand Opening Event! Enjoy your incredibly designed upscale kitchen complete with KitchenAid gas appliances while gazing out into the back yard space lined with the gorgeous tree-scape of Daniel Stowe Botanical Gardens! This is main-floor living at its finest! This home will be ready in August 2026, don't miss this opportunity to call this house your new home! Please contact Sunday Dunn to schedule an appt. Sales Office hours are Tuesday - Saturday 10 am - 5:30 pm and Sunday and Monday - 12 noon to 5:30 pm.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Slab
- Construction materials: Brick Partial,Hardboard Siding
Other
- Builder model: Bedrock
- 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
Bedroom S
- Level: Main
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 3
Dining Area
- Level: Main
Features
- Kitchen Island,Walk-In Pantry
- Flooring: Carpet,Vinyl
- Finished area below ground: 0
- Finished area above ground: 1,876
Great Room
- Level: Main
Heating & Cooling
- Heating features: ENERGY STAR Qualified Equipment,Natural Gas
- Cooling features: Ceiling Fan(s),Central Air,ENERGY STAR Qualified Equipment
Interior Area
- Total structure area: 1,876
- Total interior livable area: 1,876 sqft
Laundry
- Level: Main
Primary Bedroom
- Level: Main
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: 0.18 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
- 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 | $2,647 | $31,764 |
| Home Insurance * | $151 | $1,812 |
| Property Taxes | $335 | $4,020 |
| Electricity | $200 | $2,405 |
| Total | $3,333 | $39,996 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-08 | Listed for sale | $559,565 |
New Construction
View on Zillow