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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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577 Cottage Garden Ln , Belmont, NC 28012
$723,176
Est. Payment: $3,704.46/mo
5 Bed
4 Bath
3168 Sqft
Status: active | Days on site: 13
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Terri Bias, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
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Terri Bias
Operator/Brokerage Owner
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House Description

Belmont's Newest Single Family Community with direct access to and includes a Daniel Stowe Botanical Gardens Membership! Welcome to The Stonefield, a thoughtfully crafted home that blends classic design with modern, open-concept living. From the moment you enter, you’ll appreciate the seamless flow of spaces designed for both everyday comfort and effortless entertaining. The spacious kitchen with an oversized island is adjacent to the breakfast area and overlooks the family room, creating a central gathering place where everyone feels connected. The kitchen is equipped with quartz countertops, built in double ovens, a 36" gas cooktop with pot filler above and refrigerator. Cozy fireplace in the family room and a covered screened rear porch and side porch just off the breakfast area. A private study just off the foyer, guest suite with private ensuite and walk in shower along with windows galore finish out the main floor of this beautifully unique home. Upstairs you'll find an open loft, 3 secondary bedrooms with walk in closets, secondary bathroom with duel sinks a laundry room already equipped with a washer and dryer, and the oversized primary bedroom with side porch, walk in closet, and deluxe bathroom that includes a large soaking tub. This home is a must see!
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Highlights

Listed by Maria Phillips , 704-747-5786 and Neci Adams , 704-747-5786 DRB Group of North Carolina, LLC , 704-912-5958. Canopy MLS mls logo

Property Type

Residential
Lot/Acreage
0.21

HOA Fee

74 Monthly

Year Built

2026

County

Gaston

 Neighborhood

Michaux Gardens

Listing ID

4403565

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Convection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Exhaust Fan, Exhaust Hood, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator with Ice Maker, Tankless Water Heater, Wall Oven, Washer/Dryer
Air Cond:Central Air,Zoned
Fireplaces:Family Room,Gas Log,Gas Vented
Above Ground Sq Ft:3168
Below Ground Sq Ft:0
Other:
  • ▪ Additional:Attic Stairs Pulldown, Entrance Foyer, Garden Tub, Kitchen Island, Open Floorplan, Walk-In Closet(s), Walk-In Pantry, Has Fireplace
Water:City

Exterior Features

Lot:Other - See Remarks
Roof:Architectural Shingle
Sewer:Public Sewer
Parking Features:Driveway,Attached Garage,Garage Door Opener,Garage Faces Front
Principal Interest
$3,704
Taxes
$461
HOA
$74

Home Price

$723,176

Loan Details

30 yrs
6.625%

Down Payment

20%
$144,635
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,704.46

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,704.46 $461.02 $74.00 $4,239.48
Yearly $44,453.52 $5,532.30 $888.00 $50,873.82
Total $1,333,605.66 $165,968.89 $26,640.00 $1,526,214.55

Today's Rates

30 Year

6.63%

20 Year

6.38%

15 Year

6%

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Market insight data is pulled from the same city as the listing being viewed (Belmont, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Terri Bias and Associates | PLACE nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
Listings courtesy of Canopy MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-08-24T14:14:07.000Z

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