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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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5409 Cotton Top Ct , Waxhaw, NC 28173
$740,000
Est. Payment: $4,158.83/mo
4 Bed
4 Bath
4068 Sqft
1.43 Acres
Status: active | Days on site: 1
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Terri Bias
Operator/Brokerage Owner

House Description

A peaceful retreat awaits on this beautiful 1.43-acre cul-de-sac lot in Mineral Springs, where surrounding trees create a private setting and a picturesque backdrop. Two covered front porches bring welcoming Southern charm and offer inviting spots to sip morning coffee and enjoy the quiet of this wooded setting. With three spacious floors, brand-new carpet and neutral paint, this home offers room to spread out inside and unwind outdoors. Step inside to inviting spaces accented by classic architectural details and LVP flooring throughout the main level. Just off the foyer, an office with chair rail molding provides a dedicated space for work or a quiet reading retreat. The dining room’s tray ceiling and chair rail detailing set the stage for memorable dinners, from holiday celebrations to evenings with friends. At the heart of the home, the spacious living room features a fireplace and opens to the kitchen, keeping everyone connected during gatherings. Granite countertops and an adjoining breakfast nook create a welcoming spot for meal preparation and leisurely breakfasts. A mudroom and half bath round out the main level. The second floor opens to an expansive loft accented by chair rail molding, with ample room to create a second living room, media room, or a spacious gathering spot for family and friends. The expansive primary suite offers room to create your own sitting area, along with a ceiling fan and an exceptionally generous walk-in closet. Its adjoining bath pairs dual sinks with a garden tub and a separate tiled shower, creating a comfortable retreat at the end of the day. Three secondary bedrooms offer generous closet space, with details including chair rail molding and a ceiling fan adding character and comfort. An additional full bath completes the upper level. The sprawling third floor delivers two expansive bonus areas and another full bath, offering room for everything from a game room to theater or even a spacious home office or bedroom. The outdoor spaces make the most of this remarkable setting. Enjoy meals on the deck, spend cool evenings beside the outdoor firepit on the stone patio, or settle into the hot tub after a long day surrounded by the beauty and privacy of the trees. A three-car garage with a courtyard-style layout provides ample parking and storage, while a recently replaced HVAC system adds peace of mind. Enjoy the tranquility of this beautiful cul-de-sac setting just a short distance from shopping and restaurants in quaint downtown Waxhaw and Wesley Chapel. Schedule your private showing and experience this peaceful retreat for yourself.

Highlights

Listed by Colleen Eaton , 704-302-3236 Berkshire Hathaway HomeServices Carolinas Realty , 704-542-1100. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
1.43

Year Built

2010

County

Union

Neighborhood

Houston Ridge

Listing ID

4432664

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Dishwasher, Microwave
Air Cond:Central Air
Fireplaces:Living Room
Above Ground Sq Ft:4068
Other:
  • ▪ Additional:Drop Zone, Garden Tub, Open Floorplan, Walk-In Closet(s), Has Fireplace
Water:Well

Exterior Features

Lot:Cul-De-Sac,Level
Others:
  • ▪ Additional:Fire Pit, Hot Tub
Sewer:Septic Installed
Parking Features:Garage Faces Front,Garage Faces Side
Principal Interest
$4,159
Taxes
$472

Home Price

$740,000

Loan Details

30 yrs
7.548%

Down Payment

20%
$148,000
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:
$4,158.83

Principal

Taxes

Principal Taxes HOA Total
Monthly $4,158.83 $471.75 $0.00 $4,630.58
Yearly $49,905.90 $5,661.00 $0.00 $55,566.90
Total $1,497,177.06 $169,830.00 $0.00 $1,667,007.06

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 (Waxhaw, 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: 2026-10-14T19:53:06.000Z

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