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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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105 Wharf Ln , Statesville, NC 28677
$649,908
Est. Payment: $3,329.15/mo
3 Bed
3 Bath
2419 Sqft
Status: active | Days on site: 48
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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Terri Bias
Operator/Brokerage Owner

House Description

MAIN-LEVEL LUXURY LIVING ON THE QUIET SIDE OF LAKE NORMAN. Tucked inside the gated River Oaks Landings community set among quiet streets and mature pines, with Lake Norman access for kayaking, fishing and relaxing afternoons at the community picnic area, and River Oaks Golf Club right next door 105 Wharf Lane delivers the custom craftsmanship you'd expect in Davidson, at a fraction of the price. This is true designer-built quality: every door, handle, lighting fixture, tile selection, texture and finish intentionally chosen by interior designers to create a home that is refined, cohesive, and impossible to confuse with production construction. The floor plan was designed for effortless single-level living: the primary suite, chef's kitchen, living areas, private office and designer laundry room all on the main level, plus a spacious bonus room upstairs for guests, hobbies or a second office. The impact begins at the double arched front doors. Inside, soaring vaulted ceilings, expansive windows, decorative beams, a striking limewash feature wall, LED-illuminated built-ins and a dramatic 60-inch Touchstone fireplace create a living space that feels elevated yet inviting. At the heart of the home, the chef-inspired kitchen blends beauty and performance: quartz waterfall island, marble backsplash, custom decorative hood, KitchenAid appliances, five-burner propane gas cooktop, double ovens, wine cooler, glass rinser, designer lighting, Delta fixtures, abundant cabinetry and an oversized pantry. The main-level primary retreat features a freestanding soaking tub, oversized glass shower with rain shower, dual vanity, finished walk-in closet and a convenient laundry pass-through. Every member of the household was considered: a dedicated pet washing station, integrated pet house, and a guest bath with herringbone marble flooring and a dramatic arched tiled shower complete a home where no detail was an afterthought. A LOCATION THAT WORKS FOR REAL LIFE: ~15 minutes to historic downtown Statesville's shops, restaurants and local breweries, ~25 minutes to downtown Mooresville, ~30 minutes to Hickory, ~35 minutes to Davidson, minutes to the I-77/I-40 interchange, and under an hour to Charlotte Douglas International Airport. Golf is next door; groceries, dining and medical care, including Iredell Memorial Hospital and Lake Norman area medical centers — are all close by. All of it with Iredell County's famously low property taxes and a $42/month HOA. LOW-MAINTENANCE, LOCK-AND-LEAVE LIVING: 2026 construction on 0.62 acres means no aging systems and no deferred maintenance, tankless propane water heater with endless hot water, seller-owned propane tank included, propane gas cooking, illuminated crawl space, generous attic storage, and a 2-car garage with premium Sommer opener. Move-in ready today no build delays, no decision fatigue, no waiting. Put 105 Wharf Lane at the top of your showing list: once you experience this level of quality in person, ordinary new construction becomes very hard to choose. Buyer and buyer's agent to verify schools, square footage, HOA dues, community amenities, lake access, utilities, permits and any information deemed important.

Highlights

Listed by Angela Torres Silva , 828-695-7149 Prime Properties Group, LLC , 828-328-5000. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.62

HOA Fee

500 Annually

Year Built

2026

County

Iredell

Neighborhood

River Oaks Landings

Listing ID

4393153

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Disposal, Double Oven, Exhaust Hood, Gas Cooktop, Gas Water Heater, Refrigerator with Ice Maker, Tankless Water Heater, Wine Refrigerator
Air Cond:Central Air,Electric
Fireplaces:Electric,Living Room
Floor:Marble,Tile,Vinyl
Above Ground Sq Ft:2419
Below Ground Sq Ft:0
Other:
  • Additional:Attic Stairs Pulldown, Built-in Features, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Storage, Walk-In Closet(s), Walk-In Pantry, Other - See Remarks, Has Fireplace, Master on Main
Water:City

Exterior Features

Lot:Corner Lot,Private,Boat Ramp – Community
Roof:Architectural Shingle
Sewer:Septic Installed,Sewage Pump
Parking Features:Driveway,Attached Garage
Principal Interest
$3,329
Taxes
$414
HOA
$500

Home Price

$649,908

Loan Details

30 yrs
6.625%

Down Payment

20%
$129,982
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:
$3,329.15

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,329.15 $414.32 $500.00 $4,243.46
Yearly $39,949.75 $4,971.80 $6,000.00 $50,921.54
Total $1,198,492.46 $149,153.89 $180,000.00 $1,527,646.35

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 (Statesville, 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: 2026-08-24T18:15:06.000Z

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