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680 Lake Head Rd #130, Norwood, NC, 28128

1beds
1baths
694sqft
$529,000
$762price/sqft
$3,357/moest. monthly cost
$134,280/yrincome needed

About This Home

Your lake getaway is ready and waiting! This adorable, fully furnished lake cottage even includes the boat, making it easy to start enjoying the lake from day one! Situated on a beautifully flat lot, the property offers easy access to the waterfront and a private boathouse featuring a single boat lift, storage room and both covered and uncovered deck space - the perfect setup for relaxing, entertaining, fishing or just taking in the views. Inside, you'll love the bright, open feel of the great room with its soaring cathedral ceiling and abundance of natural light pouring in the new windows. The kitchen is both stylish and functional offering white cabinetry, stainless appliances, solid surface countertops, elegant gold hardware, coffee bar area and a center island with bar seating. This bungalow includes one bedroom, plus a versatile bonus room (neither room has a closet) and one full bath, making this the ideal weekend retreat or vacation rental. Just bring your suitcase - everything else is here! With furnishings included and a boat ready to launch, you can start living the lake life immediately!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

6/10
6/10
4/10
South Stanly High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 1945

Materials

  • Foundation: Crawl Space
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator
  • Laundry features: Gas Dryer Hookup,Washer Hookup,Other

Bathroom Full

  • Level: Main

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Main

Features

  • Breakfast Bar,Kitchen Island,Open Floorplan
  • Flooring: Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 694

Great Room

  • Features: Cathedral Ceiling(s)
  • Level: Main

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 694
  • Total interior livable area: 694 sqft

Kitchen

  • Features: Cathedral Ceiling(s)
  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 656404935278
  • Zoning: R-20
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Has view: Yes
  • View description: Water,Year Round
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Boat Lift,Covered structure,Personal Watercraft Lift,Retaining Wall,Waterfront
  • Waterbody name: Lake Tillery

Lot

  • Lot size: 0.07 Acres
  • Features: Level

Parking

  • Parking features: Driveway
  • 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 StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Strong Wind
Tornado

FEMA Declared Disasters in Stanly 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 $2,674$32,088
Home Insurance *$232$2,784
Property Taxes $251$3,012
Electricity $200$2,405
Total$3,357$40,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,097/yr
40% on housing$100,710/yr
45% on housing$89,520/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$762This listing

vs Other Active Listings

Avg $/sqft

ZIP 28128$327
Stanly County$178

vs Homes Sold Last Month

Median $/sqft

ZIP 28128$209
Stanly 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
2026-07-24Listed for sale$529,000

For Sale by Agent

AgentLynn Norman
BrokerageLake Tillery Properties LLC

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