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18316 Mainsail Pointe Dr, Cornelius, NC, 28031

4beds
5baths
4,286sqft
$2,590,000
$604price/sqft
$15,736/moest. monthly cost
$629,440/yrincome needed

About This Home

Refined waterfront living in The Peninsula—where architectural detail, thoughtful renovation, and everyday lake life meet. This exceptional home presents an unforgettable lakeside experience. A long stamped-and-stained approach and classic lantern lighting welcome guests to a residence defined by premium finishes and a seamless indoor-outdoor flow, featuring a covered front porch that spans nearly the entire length of the home. Inside, exceptional millwork, crown molding, and custom built-ins reveal a home carefully curated for both entertaining and relaxation. The completely renovated kitchen—anchored by exotic Brazilian granite, a hammered copper sink, Wolf cooktop, double ovens, and expansive pantry—flows directly into the family room and onto the large covered back deck. Oversized picture windows and plantation shutters frame the lake at every turn, bathing rooms in light and drawing the eye to the water beyond. The main-floor primary suite is a true lakeside retreat with private deck access, dual custom walk-in closets, and a spa-inspired bath finished in Calacatta marble. Upstairs, guest accommodations are generous in scale. Two large bedrooms sharing a thoughtfully designed Jack-and-Jill bath with separate vanities and a stunning walk-in tile shower with glass enclosure, plus a third suite with its own ensuite and walk-in cedar closet. A substantial upper-level office above the garage, appointed with custom cabinetry and plumbing for a full bath, offers flexible workspace or guest accommodations. Outdoors, a broad covered deck with beadboard ceiling, recessed lighting, and fans create an ideal setting for morning coffee or sunset entertaining. Flagstone walkways lead to a private sandy beach, dock, and firepit, creating multiple lakeside moments to savor. Custom DaVinci composite cedar shingle 50 year roof. This is Lake Norman living at its most elevated—beautifully updated, impeccably appointed, and privately set on one of The Peninsula’s most desirable stretches of shoreline. Opportunities of this quality are rare.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Cornelius ElementaryGrades K-53.1 mi
10/10
Bailey Middle SchoolGrades 6-84.3 mi
6/10
William Amos Hough HighGrades 9-124.8 mi

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Crawl Space
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Convection Oven,Dishwasher,Disposal,Double Oven,Gas Cooktop,Refrigerator,Wall Oven,Wine Refrigerator
  • Laundry features: Laundry Room,Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: 2nd Living Quarters

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Features

  • Built-in Features,Soaking Tub,Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s),Walk-In Pantry,Total Primary Heated Living Area: 3835
  • Door features: French Doors,Sliding Doors
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Living Room
  • Finished area below ground: 0
  • Finished area above ground: 3,835

Flex Space

  • Level: 2nd Living Quarters

Heating & Cooling

  • Heating features: Forced Air,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,835
  • Total interior livable area: 4,286 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Loft

  • Level: Upper

Media Room

  • Level: Main

Other

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 00166221
  • Zoning: GR
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Front Porch
  • Exterior features: Fire Pit,In-Ground Irrigation
  • Fencing: Back Yard
  • Has view: Yes
  • View description: Water,Year Round
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Dock,Paddlesport Launch Site,Waterfront
  • Waterbody name: Lake Norman

Lot

  • Lot size: 0.75 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached Garage,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 $13,096$157,152
Home Insurance *$795$9,540
Property Taxes $1,446$17,352
Electricity $399$4,790
Total$15,736$188,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$539,520/yr
40% on housing$472,080/yr
45% on housing$419,626/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

$604This listing

vs Other Active Listings

Avg $/sqft

ZIP 28031$373
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
2026-05-13Price change$2,800,000
2026-04-23Price change$2,900,000
2025-12-06Listed for sale$3,150,000
2003-11-21Sold$875,000
1998-06-25Sold$715,000

For Sale by Agent

AgentLori Jackson
BrokerageIvester Jackson Christie's

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