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7778 Burning Ridge Dr, Stanley, NC, 28164

5beds
5baths
4,151sqft
$849,000
$205price/sqft
$5,394/moest. monthly cost
$215,760/yrincome needed

About This Home

Make Lake Norman your backyard. Trade yard work for lake days with the seller-paid initiation fee and six months of membership to Freedom Boat Club (with accepted offer)—offering access to the lake without the cost, maintenance, or commitment of boat ownership. Welcome to this beautifully updated 5-bedroom, 4.5-bath custom home in the sought-after Treetops at Cowans Ford community. With over 4,100 square feet, this home offers a blend of space, flexibility, and modern updates in a location that supports both everyday living and an active lifestyle. The refreshed kitchen features crisp white cabinetry, quartz countertops, recessed lighting, and a custom beverage bar—opening seamlessly into the dramatic two-story great room filled with natural light. The layout creates an inviting flow for both daily living and entertaining. The main level includes a spacious primary suite along with an additional bedroom with en-suite, offering flexibility for guests or a home office. Upstairs, you’ll find three additional bedrooms, a large bonus room, and a loft overlooking the living space below. Recent updates include refinished hardwoods with a custom stain, fresh interior paint, updated lighting and ceiling fans, and a 2024 HVAC system upstairs. Step outside to a backyard that offers functional, level green space for everyday use, complemented by established landscaping that adds privacy and character. Within Treetops at Cowans Ford, the outdoor lifestyle extends beyond the property itself—whether enjoying the neighborhood setting or spending time outdoors in the surrounding area. A 1% lender credit is available with the preferred lender, creating additional flexibility and potential savings.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

5/10
4/10
East Lincoln MiddleGrades 6-87.0 mi
7/10
East Lincoln HighGrades 9-122.9 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Crawl Space
  • Construction materials: Stucco,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Oven,Gas Cooktop,Gas Water Heater,Microwave,Refrigerator with Ice Maker,Self Cleaning Oven,Wall Oven,Wine Refrigerator
  • Laundry features: Electric Dryer Hookup,Utility Room,Main Level,Washer Hookup

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bedroom S

  • Features: En Suite Bathroom
  • Level: Main

Bedroom S

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: Upper

Bedroom S

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: Upper

Bedroom S

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: Upper

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Upper

Dining Room

  • Level: Main

Features

  • Breakfast Bar,Drop Zone,Soaking Tub,Kitchen Island,Open Floorplan,Pantry,Storage,Walk-In Closet(s),Walk-In Pantry
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Den,Gas Log
  • Attic: Pull Down Stairs,Walk-In
  • Finished area below ground: 0
  • Finished area above ground: 4,151

Heating & Cooling

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

Interior Area

  • Total structure area: 4,151
  • Total interior livable area: 4,151 sqft

Kitchen

  • Features: Breakfast Bar,Kitchen Island,Open Floorplan,Walk-In Pantry
  • Level: Main

Laundry

  • Features: Built-in Features
  • Level: Main

Living Room

  • Level: Main

Other

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

Primary Bedroom

  • Features: En Suite Bathroom,Garden Tub,Tray Ceiling(s),Walk-In Closet(s)
  • Level: Main

Property

Accessibility

  • Accessibility features: Two or More Access Exits

Details

  • Parcel number: 85895
  • Zoning: PD-MU
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck
  • Exterior features: In-Ground Irrigation
  • Fencing: Back Yard

Lot

  • Lot size: 0.30 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 3
  • Parking features: Attached Garage,Garage Door Opener,Garage Faces Side,Keypad Entry,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 FloodingVery High
  • Ice Storm
    Ice StormVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters in Lincoln 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 $4,293$51,516
Home Insurance *$280$3,360
Property Taxes $435$5,220
Electricity $386$4,639
Total$5,394$64,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$184,937/yr
40% on housing$161,820/yr
45% on housing$143,840/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 8.5%
8.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 28164$169
Lincoln County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 28164$195
Lincoln County$204

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
2026-03-25Price change$899,000
2026-02-11Listed for sale$935,000
2024-12-06Sold$765,000
2024-09-23Price change$775,000
2024-08-16Price change$790,000
2024-07-30Price change$795,000
2024-07-23Price change$850,000
2024-07-02Listed for sale$875,000
2019-05-06Sold$517,500
2019-04-11Pending sale$524,900
2019-03-14Listed for sale$524,900
2018-11-20Listing removed$514,900
2018-11-15Price change$514,900
2018-10-02Price change$519,900
2018-08-02Price change$525,000
2018-05-23Listed for sale$535,000
2008-03-10Sold$570,000

For Sale by Agent

AgentKristen Dibble, Berkshire Hathaway HomeServices Carolinas Realty
BrokerageBerkshire Hathaway HomeServices Carolinas Realty

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