Belmont Homes with Waterfront

Belmont Homes with Waterfront

Welcome to Belmont, North Carolina, a picturesque gem nestled in Gaston County that beautifully blends small-town charm with modern conveniences. Known for its vibrant community spirit and rich history, Belmont boasts a delightful array of shops, restaurants, and parks that invite residents and visitors alike to explore its enchanting streets.

One of the most captivating features of Belmont is its stunning waterfront properties. With the serene waters of Lake Wylie and the Catawba River nearby, homeowners can enjoy breathtaking views and a lifestyle that embraces the outdoors. Imagine waking up to the gentle sounds of water lapping against the shore, enjoying morning coffee on your private deck, or spending leisurely afternoons fishing, kayaking, or simply soaking in the sun. Waterfront homes in Belmont offer not just a residence, but a lifestyle filled with tranquility and adventure.

The real estate market in Belmont is thriving, with a variety of homes that cater to diverse tastes and budgets. From charming cottages to luxurious estates, there’s something for everyone in this idyllic setting. The community is also known for its excellent schools and family-friendly atmosphere, making it a perfect place to settle down and raise a family.

Whether you’re seeking a peaceful retreat or an active lifestyle, Belmont’s waterfront homes provide a unique opportunity to embrace the beauty of nature while enjoying the conveniences of city living. Come and discover why Belmont is not just a place to live, but a place to love!

Newest Belmont Homes with Waterfront

$780,000
4421365 MLS ⋅ ACTIVE Status
Waterfront homesite at the end of the Timberlake Point cul-de-sac in Hunts Point, McLean's 22-homesite lakefront enclave in Belmont. Level 0.61-acre lot with about 100 feet of shoreline and open north-to-northwest water views across a wide bay, with conservancy-held woodland on the far shore. The shoreline sits just inside the mouth of a protected cove - open views out, calm water at the shoreline, under two minutes by boat to the main channel. Wide designated pier zone per the recorded plat gives options for dock placement; any dock is subject to a Duke Energy permit (buyer to obtain). Level topography suits a crawl space or basement plan, with room for a pool and outdoor living. City water and sewer hookups available; natural gas at the street. No time limit to build. Paved access to the Carolina Thread Trail, minutes to Morningstar Marina, downtown Belmont, and Daniel Stowe Botanical Garden, with an easy drive to Charlotte.

1012 Timberlake Point Unit #8, Belmont

Listing courtesy of Connor McSpadden. connorm@mdcsys.com
$825,000
3 Beds ⋅ 4 Baths ⋅ 4420913 MLS ⋅ ACTIVE Status
Location, Location, Location: waterfront lot with a floating dock, walkable to downtown Cramerton, Goat Island Park, Carolina Thread Trail. All of this and a full brick 3597 +/- heated square feet home with a BRAND new roof in August 2026. The HVAC was updated in 2021 for the main level and in 2025 in the basement. There are laundry locations on the main level and basement as well, both offering electric or gas dryer availability. The main level has a split bedroom floor plan. The primary suite has a water view, a whirlpool tub and separate shower, walk-in closet. A formal living room as well as a formal dining room offering loads of options for office space, play room or whatever you desire. The kitchen is complete with an updated dishwasher and oven, a breakfast bar, and dining area as well, with a water view. The 2nd bedroom also has a water view as well. In the basement, you will find all kinds of options and lots of space. There is room for everyone in this house! An oversized garage/shop, a billiard room complete with a pool table to remain. A safe will remain. An office or media room with a full bath and a walk-in closet. There is also a large rec room or family room complete with a wet bar and lots of seating. In addition to all of this, there is a ton of floor attic storage and room for possible expansion if needed. Outside, there is landscape lighting throughout the front and back yard, programmed to come on at dusk. The floating dock offers a great area to relax and enjoy your private waterfront oasis! Come check this one out for yourself!!

401 Armstrong Drive, Belmont

Listing courtesy of Moss Realty. greg@mossrealty.com
$749,900
3 Beds ⋅ 2 Baths ⋅ 4419627 MLS ⋅ ACTIVE Status
Waterfront Living with a Dock, No HOA & Extensive Recent Updates! This 3-bedroom, 2-bath brick ranch offers the perfect blend of comfortable living, entertaining space, and waterfront enjoyment—with no HOA and no city taxes! Thoughtfully updated and move-in ready, the home features new LVP flooring throughout, new ceiling fans and light fixtures, interior upgrades, electrical panel upgrades, a new HVAC system, and a new hot water heater. The house and cedar shake were freshly painted in 2025, adding to the home's refreshed appeal. Inside, three distinct living spaces provide plenty of room to relax and entertain, while the spacious kitchen serves as the heart of the home with stainless steel appliances, abundant workspace and storage, and a convenient breakfast bar. The bright and airy dining area features a stone fireplace and beautiful water views and opens to the covered back deck. The living room offers a charming barn door, while the main-level laundry adds everyday convenience. Outdoor living is where this property truly shines. Enjoy the covered back deck, along with an updated backyard gathering area featuring a stone fire pit and retaining wall, completed in 2026. An outdoor shower with convenient access to the bathroom from the yard makes lake living effortless. The expansive covered fixed dock is perfect for relaxing, entertaining, and enjoying the water, and leads to a covered boat slip and floating dock. The property also offers a two-story workshop/barn with incredible potential for hobbies, projects, storage, or additional workspace, plus a basement for even more flexibility. Conveniently located just minutes from Belmont, Lake Wylie, I-85, I-485, Charlotte Douglas International Airport, and Harbortowne Marina, this property delivers the best of lake living with an impressive list of recent improvements, abundant indoor and outdoor space, and no HOA or city taxes.

513 Paradise Circle, Belmont

Listing courtesy of Trevor Cherry Real Estate LLC. TCRealEstateLLC@gmail.com
$1,325,000
3 Beds ⋅ 4 Baths ⋅ 4402621 MLS ⋅ ACTIVE Status
Discover an exceptional waterfront retreat where timeless brick construction, breathtaking Lake Wylie views, and effortless indoor-outdoor living create the ultimate lake lifestyle. Perfectly positioned in a protected cove, this stunning home offers the best of both worlds—peaceful waters for swimming and paddle sports, with endless open water boating adventures just moments away. The exceptional outdoor amenities are sure to impress, featuring a private, gently sloped lot, floating boathouse, expansive Trex deck with hot tub, paver patio, and screened porch perfectly positioned for unforgettable sunrise views. Inside, the open-concept floor plan is filled with natural light and showcases inviting gathering spaces. This lovingly cared for custom built home features new flooring in the lower level, custom lighting, surround sound speakers, new hot water heater, and a new roof! The well-appointed kitchen is equipped with stainless steel appliances, a center island, breakfast bar, abundant cabinetry, and flows seamlessly into the dining area and great room with vaulted ceiling and a cozy fireplace. The main-level primary suite is a true sanctuary, complete with two walk-in closets, dual vanities, and a massive walk-in shower. The walkout lower level expands the home's entertaining possibilities with an enormous recreation room featuring a wet bar and fireplace, two additional bedrooms, two full baths, and a second laundry area—ideal for hosting weekend guests after a day on the lake. Located in charming Belmont, this exceptional home offers a welcoming small-town atmosphere with convenient access to Daniel Stowe Botanical Gardens, Charlotte, the airport, and everything the region has to offer.

1075 Lakefront Woods Drive, Belmont

Listing courtesy of Keller Williams Connected. drew@lwman.com
$1,375,000
5 Beds ⋅ 5 Baths ⋅ 4414603 MLS ⋅ ACTIVE Status
Commanding over an acre of pristine, wooded shoreline along a secluded cove, 9267 Egret Ridge represents the pinnacle of private lakefront living within Belmont’s coveted, gated enclave of Misty Waters. Spanning nearly 5,900 square feet of meticulously curated architecture, this estate balances grand scale with intimate, serene luxury. Arrival sets an immediate tone of warmth and refinement, greeted by a timeless wrap-around front veranda. Inside, soaring two-story volumes and a wall of floor-to-ceiling glass frame panoramic views of quiet waters and dense forest canopy. The epicurean kitchen serves as both a culinary sanctuary and a gathering node, appointed with custom cabinetry, a wrap-around granite island, gas cooktop, double ovens, and a dedicated warming drawer. A main-level guest suite offers gracious, private accommodations for visiting family or staff. Ascend to the upper level, where the primary suite rivals the world's finest boutique resorts. Complete with a private lounge anchored by a fireplace, tray ceilings, double walk-in dressing rooms, and a spa-inspired bath with a deep soaking whirlpool, it offers an effortless retreat from daily life. Designed for high-level entertaining and wellness, the lower walkout level reveals a full terrace suite—featuring a private media theater, an executive wet bar and secondary kitchen, a dual-sided fireplace, and space tailored for a home gym or private spa. Outdoors, the estate transitions into a multi-tiered sanctuary. Step from the main terrace deck down to the lower stone patio, complete with an open-air fire pit designed for starlit evenings. A gentle, private path leads to your personal waterfront access—perfect for launching personal watercraft into the calm, glassy cove. Located moments from Historic Downtown Belmont with effortless access to Charlotte, this is an extraordinary opportunity to acquire a legacy residence of true distinction.

9267 Egret Ridge, Belmont

Listing courtesy of EXP Realty LLC Ballantyne. 704-747-4697
$1,950,000
4 Beds ⋅ 4 Baths ⋅ 4406218 MLS ⋅ ACTIVE Status
Designed with both luxury and livability in mind, to make the most of your waterfront living and brand new dock! This exceptional custom residence offers more than 3,700 square feet of intentionally curated living space in one of Belmont's most coveted gated communities. Built by the award-winning team at Keen HomeCrafters, the home seamlessly blends timeless architecture, refined finishes, and modern functionality—all just moments from downtown Belmont. The open-concept floor plan was designed for effortless entertaining and everyday comfort, flowing from the dining area and great room to an inviting den with fireplace and thoughtfully designed outdoor living spaces. Wired sound system fills the home with audio fitting your mood, expansive windows fill the home with natural light, highlighting sophisticated details throughout and centering around the chef's kitchen featuring custom cabinetry, an oversized island, stainless steel appliances, a custom vent hood, and a scullery pantry with beverage center. The main-level primary suite offers a private retreat with direct outdoor access, a spa-inspired bath with a freestanding soaking tub and oversized walk-in shower, and an expansive custom closet. Upstairs, additional living space is complemented by a private guest suite with an ensuite bath and a versatile fourth bedroom or bonus room ideal for a home office, fitness space, media room, or additional guest accommodations. Rare for the community, a level backyard, surrounded by mature landscaping and natural tree coverage, the rear yard offers endless possibilities, a future pool, additional entertaining spaces, design whatever you can dream! Residents of Reflection Pointe enjoy incredible amenities - resort-style pool, tennis courts, waterfront clubhouse just down the road, and walking trails. Offering exceptional craftsmanship, architectural distinction, and an enviable Belmont location, this remarkable home presents a rare opportunity to experience luxury Lake Wylie waterfront living at its finest.

1535 Reflection Pointe Boulevard, Belmont

Listing courtesy of Realty One Group Revolution. JPWRealEstate@outlook.com
$555,000
2 Beds ⋅ 1 Baths ⋅ 4405510 MLS ⋅ ACTIVE Status
Discover the opportunity to own 1.32 private waterfront acres on peaceful Duck Cove Road at Lake Wylie. Less than one mile from the new proposed Publix Grocery on New Hope Road, this property offers the perfect balance of privacy, convenience, and natural beauty. Surrounded by nearby prestigious communities, including the luxury homes of McLean and Reflection Pointe, with new off water home communities under construction, you'll enjoy an exceptional location —making this a rare opportunity to create your own waterfront dream home. Whether you're looking to renovate the existing home or live comfortably while planning your custom lakefront residence, this property offers outstanding potential. Tucked away on the Catawba River at Lake Wylie, you'll enjoy a private nature sanctuary where blue herons, egrets, Red-tailed Hawks, and deer are frequent visitors. The calm, glass-like waters provide the perfect setting for morning coffee, kayaking, paddleboarding, fishing, or simply unwinding while surrounded by the beauty of the lake. As the seasons change, the cove offers an ever-changing natural landscape, creating a front-row seat to the beauty and rhythm of Lake Wylie. With no HOA, you'll have the freedom to make the property your own. The generous 1.32-acre homesite provides ample space for your vision while preserving privacy, and the grandfathered dock (in need of repair) offers a connection to the lake that enhances this unique waterfront setting. Rarely does an opportunity combine the privacy of a nature retreat with the convenience of nearby shopping, luxury neighborhoods, and the chance to build a custom waterfront home in one of Lake Wylie's most desirable and rapidly growing areas. Sold AS IS. Septic permit is for two bedrooms. All interior photos are digitally enhanced to remove seller's personal belongings so the photos are for illustrative purposes only, and buyer must verify room conditions. Portions of finished basement are under 7ft in height and are therefore not included in square footage. American Home Shield Warranty is provided.

146 Duck Cove Road, Belmont

Listing courtesy of Lake Homes Realty LLC. 866-525-3466
$1,645,000
4 Beds ⋅ 4 Baths ⋅ 4399291 MLS ⋅ ACTIVE Status
LAKEFRONT LUXURY | BIG WATER VIEWS | PRIVATE COVERED DOCK | ELEVATOR Freshly updated with newly painted warm white interior and ready to make a stunning first impression, this exceptional custom Yeary Homes lakefront retreat offers the Lake Wylie lifestyle buyers dream about but rarely find. Imagine starting your morning with coffee overlooking sparkling main-channel views, spending the afternoon boating, paddleboarding, or swimming from your private covered dock, then gathering around the lakeside fire pit as the sun sets across the water. This is not simply a beautiful home. It is a place where every day feels like a vacation. Perfectly positioned in the prestigious gated community of Reflection Pointe, this home combines deep water, breathtaking long-range views, elevator access, and a private covered dock to create one of the area’s most complete waterfront lifestyles. Designed to celebrate the lake, walls of windows frame panoramic water views from nearly every rear-facing room. Fourteen-foot coffered ceilings, custom built-ins, rich architectural details, and an open floor plan create an inviting atmosphere that feels both elegant and comfortable. Whether entertaining a crowd or enjoying a quiet evening at home, the layout was designed to bring people together. The chef’s kitchen is the heart of the home, featuring granite countertops, extensive pull-out cabinetry, a premium Dacor gas cooktop, new appliances in 2024, generous prep space, and seamless flow into the dining and great room, all overlooking the water. Retreat to the luxurious main-level primary suite where peaceful lake views greet you each morning. A spa-inspired bath and spacious layout create the perfect private escape, while the elevator provides effortless access to every level, making the home ideal for today’s lifestyle and tomorrow’s convenience. The walkout lower level offers incredible flexibility with a spacious family room featuring a second fireplace, wet bar, three additional bedrooms, flex space, abundant storage, and a screened porch that invites guests to relax long after the day on the water has ended. Outdoor living is equally impressive. Expansive covered porches, a screened retreat, flagstone terrace, beautifully terraced landscaping, fenced backyard, Zoysia lawn, lake-fed irrigation, and a lakeside fire pit create unforgettable spaces for entertaining or simply enjoying the peaceful surroundings. The private waterfront amenities make lake living effortless. The covered dock features a motorized boat lift, separate floating PWC dock, internet service, city water, dedicated music zone, and HD security camera system. The deep-water location provides dependable boating access throughout the year, allowing you to enjoy Lake Wylie to its fullest. Additional luxury features include whole-house automation, surround sound, plantation shutters, aluminum-clad windows, dual HVAC systems, tankless water heater, whole-house surge protection, epoxy-coated garage and storage floors, plus an oversized garage with extra space for a workshop, golf cart, or recreational equipment. The sloped driveway allows the home to sit closer to the shoreline, creating a more immersive waterfront experience with enhanced privacy and spectacular panoramic views that are difficult to replicate. Just minutes from Belmont, Charlotte Douglas International Airport, restaurants, shopping, and everything Lake Wylie has to offer, this freshly refreshed waterfront retreat delivers the luxury, convenience, and lake lifestyle discerning buyers have been waiting for. Live the lake life. Every single day.

3225 Lake Pointe Drive, Belmont

Listing courtesy of Keller Williams Ballantyne Area. maxwellhse@gmail.com
$2,850,000
5 Beds ⋅ 6 Baths ⋅ 4399801 MLS ⋅ ACTIVE UNDER CONTRACT Status
Welcome to **Deepwater Retreat**, a European-inspired custom waterfront estate in Belmont’s gated Reflection Pointe community on Lake Wylie. Privately positioned along the water, this 7,420-square-foot residence offers 5 bedrooms, 5.5 baths, a private dock with boat and jet ski lifts, and a rare blend of craftsmanship, scale, and lakefront living. Designed for both everyday comfort and elevated entertaining, the home features a main-level gourmet kitchen with Thermador appliances, custom cabinetry, expansive gathering spaces, a private main-level primary suite, and multiple en suite bedrooms. The lower level offers a flexible second living area with its own kitchen, private screening room, fitness space, wine storage, full bath, and additional rooms suited for guests, hobbies, or extended stays. Outdoor living is at the center of the experience, with multi-tiered patios, exterior fireplaces, overlooking the water, and direct access to Lake Wylie from the custom Trex dock and covered gazebo. Built with lasting quality in mind, the home includes steel interior framing designed to maximize water views, 2x6 exterior wall framing, foam insulation, Lincoln aluminum windows and doors, whole-house audio, AT&T Fiber, and extensive storage. More than a home on the lake, Deepwater Retreat is a private waterfront estate created for space, comfort, craftsmanship, and the lifestyle only Lake Wylie can offer.

3255 Lake Pointe Drive, Belmont

Listing courtesy of SERHANT. JoshT@Serhant.com
$979,000
3 Beds ⋅ 3 Baths ⋅ 4398600 MLS ⋅ ACTIVE Status
Welcome to your private waterfront retreat on the shores of Lake Wylie, where breathtaking sunsets, deep water and exceptional outdoor living create the ultimate lake lifestyle. Perfectly situated on a picturesque .63-acre peninsula lot, this property is designed to maximize its stunning water views with expansive decks, a private dock, boat ramp and inviting outdoor spaces that make every day feel like a vacation. Inside, you'll find a thoughtfully designed home offering three bedrooms, three full baths and a finished basement, providing flexible space for guests, a home office or additional sleeping quarters. The welcoming living room features soaring vaulted ceilings, a gas fireplace and an impressive views of the lake. The recently remodeled kitchen is beautifully appointed with new appliances, tile countertops, an updated backsplash, white cabinetry and flows effortlessly into the dining area, making entertaining both easy and enjoyable. Wake up to tranquil water views each morning from the main-level primary suite, complete with direct access to the lakeside balcony, the perfect place to enjoy your morning coffee or unwind as the sun sets across the water. Two additional spacious bedrooms, a full bath, a welcoming foyer and a generously sized laundry room with utility sink complete the main level. The recently finished lower level adds approximately 1,280 square feet of versatile living space and is perfectly suited for entertaining after a day on the lake. Complete with a second kitchen, full bath, gas fireplace and expansive recreation area, it offers the ideal setup for hosting family and friends or creating a private guest retreat. Step outside and experience what truly sets this property apart. Multiple levels of outdoor living invite you to soak in panoramic lake views or gather around with friends as vibrant sunsets paint the evening sky. Relax year-round in the new hot tub tucked beneath the deck, or head down to your private dock featuring a stationary seating area for effortless days on the water. A detached three-car garage and storage shed provide abundant space for vehicles, boats, golf carts and all of your lake toys. Ideally located just minutes from Downtown Belmont, I-85, and Charlotte Douglas International Airport, this exceptional property offers the perfect combination of peaceful waterfront living and everyday convenience.

4420 Tucker Road, Belmont

Listing courtesy of Howard Hanna Allen Tate Huntersville. jordan.cook@allentate.com
$450,000
4398211 MLS ⋅ ACTIVE Status
Beautiful waterfront lot in Reflection Bay, a gated Lake Wylie community in Belmont. Build your dream home and enjoy water views, a clubhouse, community pool, and a prime location just minutes from downtown Belmont's shopping, dining, and parks.

6024 Headlands Court, Belmont

Listing courtesy of Keller Williams Ballantyne Area. debbie@debbiecarpenter.com
$469,999
4397848 MLS ⋅ ACTIVE UNDER CONTRACT Status
Your opportunity to own a rare main channel waterfront lot in the highly sought-after gated community of Reflection Pointe, complete with an approved dock design. This prime property offers breathtaking views and a lifestyle of leisure and luxury with access to a community pool, clubhouse, tennis courts, an athletic field, walking trails, and a pavilion with beach area. Located less than 20 miles from Uptown Charlotte and just a short drive to the charming shops and restaurants of downtown Belmont, this lot combines the beauty of lakeside living with the convenience of city access.

3235 Lake Pointe Drive, Belmont

Listing courtesy of Giving Tree Realty. steven.imobersteg@givingtreerealty.com
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