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4566 Windward Ln, Catawba, NC, 28609

2beds
1baths
990sqft
$549,900
$555price/sqft
$3,401/moest. monthly cost
$136,040/yrincome needed

About This Home

Lakefront retreat with endless potential. Wake up to breathtaking water views from this beautifully updated 2 bedroom, 1 bath lakefront home on Lake Lookout. Featuring a private pier, new appliances and numerous updates throughout, this property offers the perfect blend of comfort, relaxation and waterfront living. Enjoy stunning lake views from your home and take advantage of the lakefront lots that provide room to spread out and enjoy the outdoors. A second structure (630 usf) is ready for your vision and renovation. The owner believes the additional building shares the well and septic system with the main home. It also includes its own pier, though repairs and updates needed. Whether you are looking for a private getaway, multi generational living this property offers incredible possibilities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

3/10
Oxford ElementaryGrades PK-62.9 mi
5/10
River Bend MiddleGrades 7-81.0 mi
4/10
Bunker Hill HighGrades 9-121.2 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Slab
  • Construction materials: Vinyl

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Cooktop,Refrigerator,Wall Oven,Washer/Dryer
  • Laundry features: Main Level

Bathroom Full

  • Level: Main

Bedroom S

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 990

Heating & Cooling

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

Interior Area

  • Total structure area: 990
  • Total interior livable area: 990 sqft

Primary Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3773025977970000
  • Zoning: R-40
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Dock
  • Waterbody name: Lookout Shoals Lake

Lot

  • Lot size: 0.42 Acres

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Tornado
Cold Wave
Hail
Strong Wind
Winter Weather

FEMA Declared Disasters in Catawba 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 $2,780$33,360
Home Insurance *$221$2,652
Property Taxes $200$2,400
Electricity $200$2,405
Total$3,401$40,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,605/yr
40% on housing$102,030/yr
45% on housing$90,693/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.5%
3.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$555This listing

vs Other Active Listings

Avg $/sqft

ZIP 28609$208
Catawba County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 28609$179
Catawba County$188

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
2026-06-08Listed for sale$549,900
2024-01-05Sold$300,000

For Sale by Agent

AgentDonna Lane
BrokerageColdwell Banker Boyd & Hassell

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