Seller financing available, with lease-purchase options considered! An exceptional opportunity to acquire approximately 12.77 private acres on Lake Norman with flexible purchase options, existing improvements, and the opportunity to create a custom waterfront estate. Offered together, 1147 and 1150 Whispering Winds Drive combine approximately 9.26 acres of improved land with an adjoining 3.51-acre waterfront homesite, creating a distinctive estate offering with immediate usability and significant future possibilities. Tucked behind a gated entrance at the end of Whispering Winds Drive, the property unfolds across gently rolling, predominantly wooded acreage with established trails, a year-round creek, abundant wildlife, and approximately 213 feet of riprapped Lake Norman shoreline transitioning into a continuously flowing creek that forms part of the property’s boundary. Long water views, immediate access to the main channel, and adjoining subdivision common area provide additional natural separation. A thoughtfully cleared waterfront homesite has already been established for a future custom primary waterfront residence. Completed in 2023, the approximately 700-square-foot accessory residence offers one bedroom, one full bathroom, an open kitchen, dining, and living area, and its own existing well and septic system. Complementing the residence is an approximately 1,800-square-foot insulated garage and workshop featuring approximately 14-foot ceilings, two 12-by-12-foot overhead doors, polyurea epoxy flooring, custom cabinetry, utility improvements, and generous storage. Additional improvements include covered storage, a separate storage building, a concrete wash pad, and a 500-gallon propane tank. The adjoining waterfront parcel benefits from an active, transferable four-bedroom septic improvement permit for a future primary residence; the associated septic system has not been installed. A private dock with boat lift provides access to Lake Norman, although electrical service is not currently connected to the lift. With no HOA, no CCRs, existing infrastructure, and a setting that combines substantial acreage with waterfront access, Whispering Winds Estate offers the ability to enjoy the property today while planning its next chapter. Seller financing and lease-purchase options provide additional purchase flexibility, subject to mutually acceptable terms and seller approval.