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Active
    • Price cut: $100K (7/14)
    $3,400,000

    3446 Governors Island Dr, Denver, NC 28037

    5beds
    6,285sqft
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    Single Family Residence
    Built in 1997
    0.52 Acres Lot
    $-- Zestimate®
    $541/sqft
    $161/mo HOA

    What's special

    Quietly hidden in Lake Norman is one of the most prestigious neighborhoods, Governors Island. Rare opportunity to live in this sought after location. Bridge with mature trees line the way to a gated, private island, seawall, sidewalks. Unparalleled main channel lot with over 100 feet of deep water, panoramic 180 views. Meticulously maintained home, grand foyer, open floor plan for entertainment & relaxation. Soaring ceilings, curved staircase, arched windows, hardwood floors, natural lighting. Guest suite with double doors to private balcony. Owners suite with double doors to pool and spa area with beautiful views. Tremendous bath, walk in shower, dual vanities and his and her walk in closets. Exquisite kitchen area with abundant white cabinets with granite countertops. Outdoor living with kitchen area. Heated pool/spa. Multiple covered patios. Pier, 2 docks, 2 lifts. minutes to Charlotte . Low HOA. Easy access to everything Lake Norman has to offer. No sign in yard
    724 days
    |
    1,512
    |
    69
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Ann Horn buyfromann@gmail.com,

    Southern Charm Properties

    Source: Canopy MLS as distributed by MLS GRID,MLS#: 4158875MLS Logo

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 6
      • Full bathrooms: 5
      • 1/2 bathrooms: 1
      • Main level bedrooms: 1
      Primary bedroom
      • Features: Ceiling Fan(s), Central Vacuum, Open Floorplan, Sauna, Tray Ceiling(s), Walk-In Closet(s)
      • Level: Main
      • Area: 601.08 Square Feet
      • Dimensions: 20' 8" X 29' 1"
      Bedroom s
      • Level: Upper
      • Area: 161.19 Square Feet
      • Dimensions: 13' 11" X 11' 7"
      Bedroom s
      • Level: Upper
      • Area: 195.46 Square Feet
      • Dimensions: 15' 4" X 12' 9"
      Bedroom s
      • Level: Upper
      • Area: 254.63 Square Feet
      • Dimensions: 17' 2" X 14' 10"
      Other
      • Level: Upper
      • Area: 372.06 Square Feet
      • Dimensions: 20' 8" X 18' 0"
      Breakfast
      • Level: Main
      • Area: 163.08 Square Feet
      • Dimensions: 10' 9" X 15' 2"
      Dining room
      • Level: Main
      • Area: 180.72 Square Feet
      • Dimensions: 9' 0" X 20' 1"
      Kitchen
      • Level: Main
      • Area: 304.31 Square Feet
      • Dimensions: 15' 8" X 19' 5"
      Living room
      • Features: Cathedral Ceiling(s), Ceiling Fan(s), Open Floorplan
      • Level: Main
      • Area: 406.8 Square Feet
      • Dimensions: 18' 1" X 22' 6"
      Office
      • Level: Main
      • Area: 188.41 Square Feet
      • Dimensions: 12' 5" X 15' 2"
      Recreation room
      • Level: Upper
      • Area: 334.32 Square Feet
      • Dimensions: 18' 11" X 17' 8"
      Other
      • Level: Main
      • Area: 196.39 Square Feet
      • Dimensions: 15' 6" X 12' 8"
      Heating
      • Heat Pump
      Cooling
      • Ceiling Fan(s), Central Air
      Appliances
      • Included: Dishwasher, Disposal, Double Oven, Microwave, Refrigerator
      • Laundry: Electric Dryer Hookup
      Features
      • Breakfast Bar, Hot Tub, Kitchen Island, Open Floorplan, Pantry, Sauna, Walk-In Closet(s), Wet Bar, Whirlpool
      • Flooring: Carpet, Marble, Tile, Wood
      • Doors: Insulated Door(s)
      • Windows: Insulated Windows
      • Has basement: No
      • Fireplace features: Gas, Great Room
      Interior area
      • Total structure area: 6,285
      • Total interior livable area: 6,285 sqft
      • Finished area above ground: 6,285
      • Finished area below ground: 0

      Property

      Parking
      • Total spaces: 3
      • Parking features: Driveway, Attached Garage, Garage Door Opener, Garage Faces Side, Garage on Main Level
      • Attached garage spaces: 3
      • Has uncovered spaces: Yes
      • Details: Vendor and guest area parking available
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Balcony, Covered, Patio
      • Exterior features: Gas Grill, In-Ground Irrigation, Outdoor Kitchen
      • Pool features: In Ground
      • Has spa: Yes
      • Spa features: Interior Hot Tub
      • Has view: Yes
      • View description: Long Range, Water, Year Round
      • Has water view: Yes
      • Water view: Water
      • Waterfront features: Boat Lift, Boat Slip (Deed), Dock, Personal Watercraft Lift, Pier, Waterfront
      • Body of water: Lake Norman
      Lot
      • Size: 0.52 Acres
      • Dimensions: 95 x 247 x wf105 x 218
      • Features: Level, Open Lot, Views
      Details
      • Parcel number: 33145
      • Zoning: R-MR
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Georgian
      • Property subtype: Single Family Residence
      Materials
      • Stucco
      • Foundation: Crawl Space
      Condition
      • New construction: No
      • Year built: 1997
      Details
      • Builder name: Loeffler Custom

      Utilities & green energy

      • Sewer: County Sewer
      • Water: County Water
      • Utilities for property: Cable Available, Electricity Connected, Underground Utilities

      Community & HOA

      Community
      • Features: Gated, Sidewalks, Street Lights
      • Security: Intercom, Security System, Smoke Detector(s)
      • Subdivision: Governors Island
      HOA
      • Has HOA: Yes
      • HOA fee: $484 quarterly
      • HOA name: Governors Island
      Location
      • Region: Denver

      Financial & listing details

      • Price per square foot: $541/sqft
      • Tax assessed value: $3,400,575
      • Annual tax amount: $20,713
      • Date on market: 7/24/2024
      • Cumulative days on market: 488 days
      • Listing terms: Cash,Conventional
      • Exclusions: none
      • Electric utility on property: Yes
      • Road surface type: Concrete, Paved

        Estimated market value

        Not available

        Estimated sales range

        Not available

        $5,011/mo

        Price history

        DateEventPrice
        7/14/2026Price change$3,400,000-2.9%$541/sqft
        Source: Canopy MLS as distributed by MLS GRID #4158875 Report a problem
        5/13/2026Price change$3,500,000-5.4%$557/sqft
        Source: Canopy MLS as distributed by MLS GRID #4158875 Report a problem
        4/22/2026Price change$3,700,000-4.9%$589/sqft
        Source: Canopy MLS as distributed by MLS GRID #4158875 Report a problem
        3/9/2026Listed for sale$3,890,000$619/sqft
        Source: Canopy MLS as distributed by MLS GRID #4158875 Report a problem
        3/1/2026Listing removed$3,890,000$619/sqft
        Source: Canopy MLS as distributed by MLS GRID #4158875 Report a problem
        9/23/2025Listed for sale$3,890,000-7.4%$619/sqft
        Source: Canopy MLS as distributed by MLS GRID #4158875 Report a problem
        9/16/2025Listing removed$4,200,000
        Source: Triad MLS #1150657 Report a problem
        6/30/2025Pending sale$4,200,000
        Source: Triad MLS #1150657 Report a problem
        6/14/2025Listed for sale$4,200,000-10.5%$668/sqft
        Source: Canopy MLS as distributed by MLS GRID #4158875 Report a problem
        1/28/2025Listing removed$4,695,000$747/sqft
        Source: Canopy MLS as distributed by MLS GRID #4158875 Report a problem
        7/24/2024Listed for sale$4,695,000+95.6%$747/sqft
        Source: Canopy MLS as distributed by MLS GRID #4158875 Report a problem
        5/22/2019Listing removed$2,400,000$382/sqft
        Source: Salem Realty #922189 Report a problem
        5/22/2019Price change$2,400,000+6.7%$382/sqft
        Source: Salem Realty #922189 Report a problem
        5/12/2019Price change$2,250,000-6.3%$358/sqft
        Source: Salem Realty #922189 Report a problem
        3/10/2019Listed for sale$2,400,000+0.2%$382/sqft
        Source: Salem Realty #922189 Report a problem
        10/1/2018Listing removed$2,395,000$381/sqft
        Source: Ivester Jackson Properties #3380936 Report a problem
        4/21/2018Listed for sale$2,395,000-4.2%$381/sqft
        Source: Ivester Jackson Properties #3380936 Report a problem
        10/5/2016Listing removed$2,500,000$398/sqft
        Source: Keller Williams - Lake Norman - Cornelius #3163173 Report a problem
        4/13/2016Listed for sale$2,500,000+19%$398/sqft
        Source: Keller Williams - Lake Norman - Cornelius #3163173 Report a problem
        12/15/2005Sold$2,100,000$334/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$20,713 +0.4%$3,400,575
        2024$20,625 $3,400,575
        2023$20,625 +33.8%$3,400,575 +64.7%
        2022$15,412 +0.9%$2,064,315
        2021$15,267 +2.9%$2,064,315
        2020$14,838 +2%$2,064,315
        2019$14,543 $2,064,315 +18.5%
        2018-- $1,741,569
        2017$14,348 +15.3%$1,741,569
        2016$12,447 -4.2%$1,741,569
        2015$12,989 -9.5%--
        2014$14,348 $1,960,129
        2013-- --
        2012-- --
        2011-- --
        2010-- --
        2009-- --
        2008-- $2,198,643 +50%
        2007-- $1,465,812
        2006-- $1,465,812 +3.3%
        2005-- $1,418,902
        2004-- $1,418,902
        2003-- --
        2002-- $1,212,978
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 28037

        Getting around

        0 / 100
        Car-Dependent
        25 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Rock Springs
        • Middle: North Lincoln
        • High: North Lincoln

        Source: Canopy MLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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