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18014 Whispering Oaks, Cornelius, NC, 28031

5beds
6baths
5,254sqft
$3,650,000
$695price/sqft
$22,390/moest. monthly cost
$895,600/yrincome needed

About This Home

Experience refined waterfront living on Lake Norman in the sought-after Point Largo community, where long-range water views and exceptional amenities create a truly elevated lifestyle. Built in 2017 by Signature Homes, this impressive opulent residence offers over 5,200 square feet of thoughtfully designed living space with five bedrooms and five full baths. The light-filled open floor plan showcases expansive lake views from the main living areas, seamlessly connecting the chef’s kitchen—complete with a large island, induction cooktop, walk-in pantry, breakfast bar, and built-in appliances—to the inviting keeping room with fireplace and a lakeside family room with stone fireplace as well. Sliding glass doors extend the living space outdoors to a resort-style setting featuring a saltwater pool, covered patio, and fenced backyard, all overlooking the serene waters of Lake Norman. The main-level primary suite serves as a tranquil retreat with stunning lake views, a spacious walk-in closet, and a spa-inspired bath with dual vanities and an oversized walk-in shower. Additional living spaces include a media room, game room with dry bar, and flexible bonus areas ideal for recreation, guests, or working from home. Completing this exceptional property is a private dock with boat slip, boat lift, floating dock, and personal watercraft lift, along with access to the community’s private beach—offering the ultimate opportunity to enjoy boating, swimming, and lakeside relaxation. Ideally located in Cornelius near premier shopping, dining, and everyday conveniences, this remarkable home blends luxury, comfort, and breathtaking waterfront scenery.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

9/10
J.V. Washam ElementaryGrades K-51.9 mi
10/10
Bailey Middle SchoolGrades 6-83.5 mi
7/10
William Amos Hough HighGrades 9-124.1 mi

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Crawl Space
  • Construction materials: Hardboard Siding,Stone

Other

  • Builder name: Chad Goodin Signature Homes

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Fan,Exhaust Hood,Gas Water Heater,Induction Cooktop,Microwave,Self Cleaning Oven,Wall Oven
  • Laundry features: Laundry Room,Main Level

Bar Entertainment

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Main

Bathroom Half

  • Level: Main

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1
  • Main level bedrooms: 2

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Features

  • Breakfast Bar,Built-in Features,Kitchen Island,Open Floorplan,Storage,Walk-In Closet(s),Walk-In Pantry,Wet Bar,Other - See Remarks
  • Door features: Insulated Door(s),Sliding Doors
  • Window features: Insulated Windows
  • Flooring: Tile,Wood
  • Fireplace features: Gas Log,Great Room,Keeping Room,Wood Burning
  • Finished area below ground: 0
  • Finished area above ground: 5,254

Flex Space

  • Level: Upper

Great Room

  • Level: Main

Heating & Cooling

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

Interior Area

  • Total structure area: 5,254
  • Total interior livable area: 5,254 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Media Room

  • Level: Upper

Other

  • Level: Main

Primary Bedroom

  • Level: Main

Recreation Room

  • Level: Upper

Property

Details

  • Parcel number: 00105231
  • Zoning: GR
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Fenced,Heated,In Ground,Outdoor Pool,Salt Water
  • Patio & porch: Patio
  • Exterior features: In-Ground Irrigation
  • Fencing: Back Yard,Fenced
  • Has view: Yes
  • View description: Long Range,Water,Year Round
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Beach - Private,Boat Lift,Boat Slip (Deed),Dock,Personal Watercraft Lift,Pier,Waterfront
  • Waterbody name: Lake Norman

Lot

  • Lot size: 0.49 Acres
  • Features: Wooded,Views

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,Garage Faces Side,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 FloodingModerate

How This Home’s Risks Compare

Inland Flooding

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 $18,456$221,472
Home Insurance *$1,120$13,440
Property Taxes $2,325$27,900
Electricity $489$5,872
Total$22,390$268,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$767,657/yr
40% on housing$671,700/yr
45% on housing$597,066/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

$695This listing

vs Other Active Listings

Avg $/sqft

ZIP 28031$372
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28031$308
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
2026-07-17Listed for sale$3,650,000
2026-07-01Listing removed$3,650,000
2026-03-18Listed for sale$3,650,000
2023-04-24Sold$2,100,000
2023-03-17Price change$2,295,000
2023-03-01Price change$2,395,000
2023-01-27Listed for sale$2,495,000
2014-11-11Listing removed$1,890
2014-10-20Listed for rent$1,890
2013-08-13Sold$430,000

For Sale by Agent

AgentMatt Sarver
BrokerageKeller Williams Lake Norman

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