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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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12023 Overlook Mountain Dr , Charlotte, NC 28216
$775,000
Est. Payment: $3,969.93/mo
4 Bed
3 Bath
2939 Sqft
Status: active | Days on site: 80
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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

Gorgeous, meticulously maintained home in the highly desirable Overlook at Mountain Island Lake! Situated on a beautifully landscaped half-acre lot, this spacious 4-bedroom, 3-bath home offers exceptional living space, including a bonus room. You will love the 1,385 sq ft, unfinished walkout basement, with electricity and plumbing already in place for a future bath—providing endless possibilities for expansion and an abundance of storage space. Think multi-generational living, au pair, workshop or ample living space. Inside, you'll find a welcoming open foyer, stunning hardwood floors throughout the main level, and a thoughtfully designed floor plan featuring a bedroom and full bath on the main floor, ideal for guests or multi-generational living. The spacious family room showcases a gas fireplace with custom built-ins, while the updated kitchen features granite countertops, maple cabinetry, a generous pantry, and modern hardware and lighting. The primary and guest bathrooms have been beautifully updated, adding style and comfort throughout. Step outside to enjoy the private backyard retreat with an oversized deck, perfect for relaxing or entertaining, along with an irrigation system to keep the lush, immaculate, landscaping looking its best. Residents enjoy fantastic neighborhood amenities in this sought-after lakefront community. Conveniently located near I-485, the airport, the U.S. National Whitewater Center, and just 15 minutes from Uptown Charlotte, this home offers the perfect combination of tranquility, convenience, and lifestyle. A rare opportunity to own a move-in-ready home in one of Mountain Island Lake's most prestigious neighborhoods. You must see this magnificent, gorgeous, well-maintained home and one you have been waiting for!!!SELLER NOW OFFERING A $10k CONCENCESSION TO BE USED TOWARDS A RATE BUYDOWN, CLOSING COSTS OR HOWEVER THE BUYER WOULD LIKE.
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Highlights

Listed by Judy Godley , 704-579-2080 and Heather Flohr , 704-579-2080 Helen Adams Realty , 704-375-8598. Canopy MLS mls logo

Property Type

Residential
Lot/Acreage
0.52

HOA Fee

1842.83 Annually

Year Built

1998

County

Mecklenburg

 Neighborhood

Overlook

Listing ID

4388070

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dishwasher, Disposal, Gas Water Heater, Microwave, Oven, Refrigerator with Ice Maker
Air Cond:Central Air
Fireplaces:Gas Log,Great Room
Floor:Carpet,Tile,Wood
Above Ground Sq Ft:2939
Below Ground Sq Ft:0
Basement:Exterior Entry,Full,Storage Space,Unfinished,Walk-Out Access
Other:
  • ▪ Additional:Attic Stairs Pulldown, Built-in Features, Entrance Foyer, Garden Tub, Kitchen Island, Open Floorplan, Pantry, Storage, Walk-In Closet(s), Walk-In Pantry, Has Fireplace
Water:City

Exterior Features

Lot:Wooded,Boat Ramp,Other - See Remarks
Lot Dimensions:117x199x109x201
Zoning:R-1
Roof:Architectural Shingle
Sewer:Public Sewer
Parking Features:Attached Garage,Garage Faces Side
Principal Interest
$3,970
Taxes
$494
HOA
$1,843

Home Price

$775,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$155,000
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:
$3,969.93

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,969.93 $494.06 $1,842.83 $6,306.82
Yearly $47,639.14 $5,928.75 $22,113.96 $75,681.85
Total $1,429,174.07 $177,862.50 $663,418.80 $2,270,455.37

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 (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: 2026-08-24T14:14:07.000Z

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