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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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5401 Mountain Point Ln , Charlotte, NC 28216
$1,799,990
Est. Payment: $10,116.01/mo
4 Bed
4 Bath
3239 Sqft
1.61 Acres
Status: active | Days on site: 5
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Terri Bias
Operator/Brokerage Owner

House Description

This is the kind of resort you book eight months out. Here, you get to live in it. Welcome to Mountain Point Resort, a 4-bedroom, 3.5-bath full-brick estate on 1.61 private acres on Mountain Island Lake, with a view across the water to 1,500 acres of protected Latta Nature Preserve. Pull through the gate and the day falls away. The owner created this space to be a venue, and it shows. The heated saltwater gunite pool features a built-in hot tub, expansive walk-in steps, and gas fire features, plus a swim-up bar with submerged seating that connects straight to the covered bar and first outdoor kitchen, so guests never have to leave the water. Porch swings hang under the timber-framed pavilion, and just across the outdoor kitchen sits one of the most charming spaces on the property: a private cabana with knotty pine walls, exposed brick, a loft ladder, and a roll-up glass door that opens the whole room to the pavilion. Inside is a kitchenette with sink, refrigerator, freezer, and microwave, plus room for a bed, so it works as a guest retreat, catering kitchen, or whatever the party needs. A full pool bath with dual showers and granite finishes, plus an outdoor shower, keeps wet feet out of the main house. This is an entertainer's dream. Inside, nothing came off a builder's spec sheet. The living room is anchored by floor-to-ceiling artisan-bleached stone framing the fireplace, under a whitewashed shiplap ceiling with exposed beams, and natural stone floors carry that character through the home. The kitchen is one of a kind, with leathered quartzite countertops, custom wood cabinetry, stainless appliances, and a gas cooktop. The dining area sits in a bay window filled with light. Upstairs, the primary suite frames Mountain Island Lake through floor-to-ceiling vaulted windows, with a walk-in closet and a private bath with dual vanities. Two more bedrooms share this level, one nearly as large as the primary and the other currently set up as a custom wardrobe room that converts back to a bedroom, along with a full bath and laundry room. A separate wing has its own private entrance and staircase leading to a nearly 30-foot suite with its own half bath. In-laws, long-term guests, a home office, or rental potential, it is its own little world under the same roof. Out back, the covered lakeside patio is an outdoor living room with stone underfoot, ceiling fans, a lakeside fireplace, and a second outdoor kitchen built for crowds: commercial hood, warming drawers, and a 23-foot counter. A walkway winds past gardens and a boulder-stacked water fountain to a lower patio with full electric for live music, a gazebo with a wood-burning fire pit overlooking the water, and a paved golf cart path all the way down to the newly built double-decker dock. Trex-style composite decking, a waterproof Gutter Deck upper level that stays cool underfoot, a 10,000-pound boat lift, a rotating jet ski lift, and extra-wide stairs for kayaks and paddleboards. Across the water, nothing but protected preserve. No docks, no rooftops, no construction, ever. Mountain Island Lake is one of Charlotte's best-kept secrets and its closest lake, about 20 minutes from uptown. It supplies the region's drinking water, so much of its 61 miles of shoreline stays protected, with no commercial marinas or restaurants on the water. Quiet water, no crowds. Three-car side-entry garage, circular drive, Sonance surround sound and Eero WiFi that convey, a security system, in-ground irrigation, and both central air and ductless mini-splits. The new 2025 roof carries a 30-year warranty, and a low $725 annual HOA includes access to the community boat ramp. Schedule your private tour today. Welcome home to Mountain Point Resort.

Highlights

Listed by Josh Finigan , 704-913-4662 EXP Realty LLC Ballantyne , 704-248-8230. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
1.61

HOA Fee

725 Annually

Year Built

1991

County

Mecklenburg

Neighborhood

Mountain Point

Listing ID

4425572

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Convection Oven, Dishwasher, Dryer, Gas Cooktop, Ice Maker, Refrigerator with Ice Maker, Self Cleaning Oven, Washer
Air Cond:Central Air,Ductless
Fireplaces:Den,Fire Pit,Gas Log,Outside
Floor:Carpet,Stone,Tile,Wood
Above Ground Sq Ft:3239
Other:
  • ▪ Additional:Breakfast Bar, Built-in Features, Open Floorplan, Walk-In Closet(s), Has Fireplace
Water:City

Exterior Features

Lot:Boat Lift,Boat Lift – Community,Boat Slip (Deed),Covered structure,Dock,Paddlesport Launch Site,Paddlesport Launch Site - Community,Personal Watercraft Lift,Pier
Roof:Architectural Shingle
Others:
  • ▪ Additional:Fire Pit, Dock - Floating, Hot Tub, Gas Grill, In-Ground Hot Tub / Spa, Outdoor Kitchen, Outdoor Shower, Other - See Remarks
Sewer:Septic Installed
Parking Features:Circular Driveway,Driveway,Electric Gate,Attached Garage,Garage Door Opener,Garage Faces Side
Principal Interest
$10,116
Taxes
$1,147
HOA
$725

Home Price

$1,799,990

Loan Details

30 yrs
7.548%

Down Payment

20%
$359,998
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:
$10,116.01

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $10,116.01 $1,147.49 $725.00 $11,988.50
Yearly $121,392.06 $13,769.92 $8,700.00 $143,861.98
Total $3,641,761.82 $413,097.71 $261,000.00 $4,315,859.52

Today's Rates

30 Year

7.55%

20 Year

7.5%

15 Year

6.75%

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Market insight data is pulled from the same city as the listing being viewed (Charlotte, 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

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Data last updated: 2026-10-14T15:52:06.000Z

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