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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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135 Ridgetop Rd , Mooresville, NC 28117
$1,325,000
Est. Payment: $7,446.55/mo
3 Bed
4 Bath
4329 Sqft
0.59 Acres
Status: active | Days on site: 13
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Terri Bias
Operator/Brokerage Owner

House Description

Set along a peaceful Lake Norman cove, this distinctive waterfront residence offers an exceptional sense of privacy, scale, and connection to the water. Positioned on approximately 0.59 acre, the home unfolds across three beautifully proportioned levels, with generous gathering spaces, three upper-level bedrooms and an impressive collection of flexible rooms designed to evolve with the way you live. Three fireplaces lend warmth and architectural character throughout, while a private office upstairs overlooking the trees and water provides a refined setting for work or study. The kitchen was upgraded, bringing thoughtful updates to its cabinetry, lighting, flooring, appliances, and functionality. The finished walkout basement creates an entirely new dimension for entertaining and everyday enjoyment. A second kitchen, family room, sitting area, and versatile flex space offer endless possibilities. On the main level an expansive media room offers a multitude of ways to enjoy from movie nights, game days, and gatherings with friends. Direct patio access from the main level of the home extends the experience outdoors and creates a natural flow toward the lake. Multiple outdoor spaces take full advantage of the waterfront setting, including a spacious screened porch, main deck, and two additional decks descending toward the shoreline. At the water’s edge, a private dock and 7000 pound boat lift offer convenient access for boating, fishing and leisurely days on Lake Norman. Floating dock section creates a great space for jet skis, fishing, or access into the water for kayaking or paddleboarding. Established landscaping, irrigation, and landscape lighting surround the home in greenery, while a backup generator provides additional peace of mind. Tucked away along Ridge Top Road yet convenient to marinas, waterfront dining, shopping, NC 150 and I-77, this remarkable property presents an opportunity to enjoy Lake Norman living and to personalize a home with the space, setting, and waterfront access to become something truly special.

Highlights

Listed by Amy Fraser , 704-842-1500 and Marty Briggs , 704-842-1500 Cottage Real Estate , 704-842-1500. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.59

Year Built

1996

County

Iredell

Neighborhood

Spring Acres

Listing ID

4417337

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:3
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Exhaust Fan, Exhaust Hood, Microwave, Refrigerator, Refrigerator with Ice Maker, Wall Oven
Air Cond:Ceiling Fan(s),Central Air
Fireplaces:Family Room,Primary Bedroom,Wood Burning
Floor:Carpet,Hardwood,Tile
Above Ground Sq Ft:3194
Below Ground Sq Ft:1135
Basement:Exterior Entry,Finished,Interior Entry,Storage Space,Walk-Out Access
Other:
  • ▪ Additional:Attic Stairs Pulldown, Entrance Foyer, Garden Tub, Kitchen Island, Pantry, Storage, Walk-In Closet(s), Walk-In Pantry, Has Fireplace
Water:Well

Exterior Features

Lot:Sloped,Waterfront,Boat Lift,Dock,Retaining Wall
Zoning:RA
Roof:Architectural Shingle
Others:
  • ▪ Additional:In-Ground Irrigation
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage,Garage Faces Side
Principal Interest
$7,447
Taxes
$845

Home Price

$1,325,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$265,000
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:
$7,446.55

Principal

Taxes

Principal Taxes HOA Total
Monthly $7,446.55 $844.69 $0.00 $8,291.23
Yearly $89,358.54 $10,136.25 $0.00 $99,494.79
Total $2,680,756.23 $304,087.50 $0.00 $2,984,843.73

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 (Mooresville, 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: 2026-10-14T17:53:06.000Z

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