




295 Bent Tree Dr, Stanley, NC, 28164
About This Home
Nestled in the highly sought-after TreeTops at Cowans Ford, just off Hwy 73 in Lincoln County, this beautifully maintained and move-in-ready custom 2 story home offers a perfect blend of comfort, flexibility, and ample space for entertaining. The community boasts exceptional amenities anchored by Cowans Ford Golf Club offering various membership tiers, social offerings, a community pool, pickleball & tennis courts, dining, and access to Lake Norman (www.cowansford.com). This neighborhood is beautifully maintained with surroundings that provide privacy, charm, and southern elegance. Spanning just over 5,000 square feet, this home offers a harmonious blend of comfort and functionality. With five bedrooms, four full baths, a custom office, and a generous amount storage, it caters to various lifestyles and entertaining needs inside and out. The upper level features a spacious bonus or recreational area with its own custom bar, providing a unique touch to the home’s design. The main level welcomes you into an expansive living area that seamlessly flows into the great room, dining area, custom office space, and chef’s kitchen. This spacious floor plan includes a cozy sitting area with a gas fireplace and French doors leading to an elevated deck overlooking the backyard, perfect for enjoying indoor-outdoor living. The chef’s kitchen stands as a true centerpiece, equipped with a large granite island, premium appliances, a gas range, soft close cabinetry, pull out shelving, and ample storage. Adjacent to the kitchen is a private guest bedroom and full bath, ideal for accommodating guests for any occasion. The primary bedroom offers a large privately positioned retreat from the day, seamlessly transitioning into an elegant ensuite. This ensuite features a double vanity, soaking tub, walk-in shower, and dual walk-in closets, providing a luxurious experience. Additional main-level highlights also include a mudroom, laundry area, convenient hidden staircase access to the upper floor, and a spacious three-car garage with EV charging station, built-in storage units, and extended height garage doors for additional clearance. The upper level boasts three additional bedrooms, two full baths, and an expansive bonus room. This versatile space can be transformed into a media room, playroom, or home gym, catering to diverse interests and needs. The bonus room also includes a large walk-in closet and a custom wet bar with ample counter space, perfect for entertaining guests during game day, private workout retreat, or hosting a family movie night. The property is conveniently located in the Lake Norman area just minutes away from Denver, Huntersville, Cornelius, Birkdale, I-77 or NC-16 for access to Charlotte.
Getting Around
Schools
Construction
Condition
- Year built: 2008
Materials
- Foundation: Crawl Space
- Construction materials: Stucco,Stone
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Electric Oven,Exhaust Hood,Gas Range,Gas Water Heater,Microwave,Refrigerator with Ice Maker
- Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Washer Hookup
Bathroom Full
- Level: Main
Bathroom Full
- Level: Main
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Upper
Bedroom S
- Features: Ceiling Fan(s)
- Level: Main
Bedroom S
- Features: Attic Walk In,Ceiling Fan(s)
- Level: Upper
Bedroom S
- Features: Ceiling Fan(s)
- Level: Upper
Bedroom S
- Features: Ceiling Fan(s)
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 4
- Main level bedrooms: 2
Bonus Room
- Features: Ceiling Fan(s),Storage
- Level: Upper
Family Room
- Level: Main
Features
- Window features: Insulated Windows
- Flooring: Carpet,Marble,Tile
- Fireplace features: Gas Log
- Attic: Walk-In
- Finished area below ground: 0
- Finished area above ground: 5,110
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 5,110
- Total interior livable area: 5,110 sqft
Kitchen
- Features: Kitchen Island
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Office
- Level: Main
Other
- Level: Main
Primary Bedroom
- Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
- Level: Main
Property
Details
- Parcel number: 84507
- Zoning: PD-MU
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: Community
- Patio & porch: Rear Porch
- Exterior features: Fire Pit,In-Ground Irrigation
Lot
- Lot size: 0.30 Acres
Parking
- Total spaces: 3
- Parking features: Driveway,Electric Vehicle Charging Station(s),Garage on Main Level
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- 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
- Ice Storm
- Lightning
- Strong Wind
- Tornado
- Cold Wave
- Hail
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Lincoln County and North Carolina
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,941 | $71,292 |
| Home Insurance * | $387 | $4,644 |
| Property Taxes | $600 | $7,200 |
| Electricity | $475 | $5,711 |
| Total | $7,403 | $88,836 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-28 | Listed for sale | $1,195,000 |
| 2014-04-17 | Sold | $569,900 |
| 2014-02-23 | Pending sale | $569,900 |
| 2014-02-06 | Price change | $569,900 |
| 2013-08-02 | Listed for sale | $579,900 |
| 2012-02-18 | Listing removed | $599,000 |
| 2011-02-26 | Listed for sale | $599,000 |
| 2007-08-24 | Sold | $85,000 |
