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7282 James Ct, Denver, NC, 28037

4beds
3baths
3,864sqft
$1,054,998
$273price/sqft
$6,414/moest. monthly cost
$256,560/yrincome needed

About This Home

Tucked inside the gated Pebble Bay community, this custom-built home sits on over an acre and offers a rare combination of Lake Norman access, privacy, and flexibility. Residents enjoy gated access to a community boat ramp and gated vehicle storage (subject to availability), making lake life easy without the cost of full waterfront ownership. A truly unique feature of this property is the adjacent 22’x46’ fully insulated and conditioned building. With two separate rooms, individual entrances, two-zone heating and cooling, 240V electrical service, and its own security system, this space is ideal for a garage, office, workshop, studio, gym, hobby room, or climate-controlled storage—options rarely found in this area. 500 sf of the building is HLA and 535 sf is Shop/garage (Non-HLA). It is listed as 2nd living quarters but has not bath or kitchen. Inside, the home is designed for comfortable everyday living with thoughtful upgrades throughout. The main level features wide solid oak flooring, a welcoming family room with built-in bookcases and a gas fireplace, and a separate formal sitting area ideal for quiet evenings or entertaining. The first-floor laundry room adds convenience, while stone flooring in the bathrooms and laundry enhances durability and style. The kitchen is a standout, equipped with custom cherry cabinetry, a large center island, pull-out shelving, a corner Lazy Susan, and a six-burner gas cooktop—perfect for both casual meals and hosting gatherings. Enjoy breakfast in the cozy nook or larger dinners in the formal dining room. The primary suite on the main level offers a peaceful retreat with two walk-in closets and a spa-style bath featuring a Jacuzzi type tub, with stone surround and a walk-in shower. A second main-level bedroom is conveniently located near a full bath, ideal for guests or multigenerational living. Upstairs, two additional bedrooms with generous closets, a third full bath and a flex room room provide flexible space for family, hobbies, or work-from-home needs. Outdoor living is easy with a maintenance-free 20’x24’ Trex deck overlooking level, landscaped grounds supported by an eight-zone in-ground irrigation system. The sealed crawl space and gutter guard system add long-term peace of mind. Additional highlights include 400-amp electrical service, wiring for a whole-house generator, in-ground propane tank, water softener with pre-filter, three electric garage door openers, ceiling fans in eight rooms, ceiling speakers with additional pre-wiring, a second gas fireplace and multiple walk-in and floored attic storage spaces. Homes offering this combination of acreage, community lake access, and a fully conditioned auxiliary building are rarely available in Pebble Bay.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

7/10
3/10
Mill Creek MiddleGrades 7-87.7 mi
8/10
Bandys HighGrades PK,9-127.0 mi

Construction

Condition

  • Year built: 2009

Materials

  • Foundation: Crawl Space
  • Construction materials: Brick Partial

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Gas Cooktop
  • Laundry features: Main Level

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bedroom S

  • Level: Main

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 2

Breakfast

  • Level: Main

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Attic Other,Kitchen Island,Walk-In Closet(s),Whirlpool,Total Primary Heated Living Area: 3364
  • Flooring: Carpet,Marble,Wood
  • Fireplace features: Family Room,Gas Log,Living Room
  • Attic: Other
  • Finished area below ground: 0
  • Finished area above ground: 3,364

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Ceiling Fan(s),Dual,Heat Pump

Interior Area

  • Total structure area: 3,364
  • Total interior livable area: 3,864 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Primary Bedroom

  • Level: Main

Recreation Room

  • Level: Upper

Property

Details

  • Parcel number: 4606013516420000
  • Zoning: R-30
  • Special condition: Standard
  • Other equipment: Generator Hookup
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: In-Ground Irrigation
  • Waterfront features: Boat Ramp,Boat Slip – Community
  • Waterbody name: Lake Norman

Lot

  • Lot size: 1.16 Acres
  • Features: Cul-De-Sac,Level
  • Lot size dimensions: 181 x 314 x 182 x 264

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Garage Shop,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 StormRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Ice Storm
Lightning
Strong Wind
Tornado

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 $5,334$64,008
Home Insurance *$292$3,504
Property Taxes $429$5,148
Electricity $359$4,318
Total$6,414$76,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$219,908/yr
40% on housing$192,420/yr
45% on housing$171,040/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

$273This listing

vs Other Active Listings

Avg $/sqft

ZIP 28037$255
Catawba County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 28037$230
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)

No zestimate history available

Price History

DateEventPrice
2026-05-14Price change$1,065,000
2026-04-28Price change$1,070,000
2026-04-10Price change$1,075,000
2026-03-06Listed for sale$1,090,000
2025-07-26Listing removed$1,090,000
2025-05-21Price change$1,090,000
2025-01-12Listed for sale$1,100,000
2012-11-28Sold$425,000
2012-10-22Pending sale$439,000
2012-06-25Listed for sale$439,000
2012-01-08Listing removed$450,000
2011-05-22Price change$450,000
2011-05-12Price change$469,000
2011-02-05Listed for sale$479,000
2009-07-27Sold$45,000
2007-05-25Sold$109,000

For Sale by Agent

AgentFrank Free, Lake Realty
BrokerageLake Realty

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