Great price improvement! This custom-built waterfront home on Lake Norman features four bedrooms and five bathrooms. The tri-level design offers primary living spaces on the main floor, with additional quarters in the walk-out basement. Loft with water views, a bonus room, and a separate office, all equipped with closets. The expansive L-shaped wrap-around covered patio and balconies provide an ideal setting to enjoy the lakeside breeze. Large, wooded lot, adorned with mature trees, ensures ample shade and privacy. Conveniently located adjacent to the community boat ramp and slips, the property is also near Sherrills Ford's shopping and dining areas. The main floor includes a spacious primary bedroom suite, while the basement level an in-law suite with a private, complete with kitchen, dining space, laundry, and two bathrooms. Additional highlights include elegant hardwood floors, tile accents, extra parking for a personal boat, and a lockable gate for enhanced security and privacy.
Active
$1,199,900
3645 Lake Bluff Dr, Sherrills Ford, NC 28673
4beds
2,799sqft
Single Family Residence
Built in 2002
0.77 Acres Lot
$1,128,500 Zestimate®
$429/sqft
$29/mo HOA
What's special
Bonus roomElegant hardwood floorsTile accentsAmple shade and privacySpacious primary bedroom suiteLoft with water viewsTri-level design
- 22 days |
- 999 |
- 33 |
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Miles Ware wareprop@aol.com,
Ware Properties & Commercial Investments
Source: Canopy MLS as distributed by MLS GRID,MLS#: 4410321
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 5
- Full bathrooms: 5
- Main level bedrooms: 1
Primary bedroom
- Features: Cathedral Ceiling(s)
- Level: Main
Other
- Level: Basement
Other
- Level: Basement
Other
- Level: Basement
Bonus room
- Level: Third
Dining area
- Level: Basement
Dining area
- Level: Main
Family room
- Level: Basement
Other
- Level: Main
Kitchen
- Level: Main
Laundry
- Level: Main
Laundry
- Level: Basement
Office
- Level: Third
Heating
- Central, Heat Pump
Cooling
- Central Air
Appliances
- Included: Dishwasher, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator
- Laundry: Electric Dryer Hookup, Gas Dryer Hookup, Main Level
Features
- Attic Other
- Flooring: Tile, Wood
- Doors: French Doors
- Basement: Exterior Entry,Finished,Full,Interior Entry,Walk-Out Access,Walk-Up Access
- Attic: Other
Interior area
- Total structure area: 2,096
- Total interior livable area: 2,799 sqft
- Finished area above ground: 2,096
- Finished area below ground: 703
Property
Parking
- Total spaces: 8
- Parking features: Driveway, Attached Garage, Garage Door Opener, Garage Faces Front, Garage on Main Level
- Attached garage spaces: 4
- Uncovered spaces: 4
Features
- Levels: Two and a Half
- Stories: 2.5
- Patio & porch: Balcony, Covered, Deck, Terrace, Wrap Around
- Fencing: Partial
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Boat Ramp, Boat Ramp – Community, Boat Slip – Community, Boat Slip (Lease/License), Dock, Waterfront
- Body of water: Lake Norman
Lot
- Size: 0.77 Acres
- Features: Wetlands, Wooded
Living quarters
- Secondary features: Exterior Connected,Interior Connected,Main Level Garage,Room w/ Private Bath,Separate Entrance,Separate Kitchen Facilities,Separate Living Quarters
Details
- Parcel number: 460701388393
- Zoning: R-20
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: A-Frame
- Property subtype: Single Family Residence
Materials
- Stucco, Stone Veneer, Vinyl
- Foundation: Slab
Condition
- New construction: No
- Year built: 2002
Utilities & green energy
- Sewer: Septic Installed
- Water: Well
Community & HOA
Community
- Features: Lake Access
- Subdivision: The Retreat
HOA
- Has HOA: Yes
- HOA fee: $350 annually
- HOA name: Monica Matola
- HOA phone: 704-618-3194
Location
- Region: Sherrills Ford
Financial & listing details
- Price per square foot: $429/sqft
- Tax assessed value: $935,700
- Annual tax amount: $4,655
- Date on market: 8/1/2026
- Cumulative days on market: 1107 days
- Road surface type: Concrete, Paved
Estimated market value
$1,128,500
$1.07M - $1.18M
$2,948/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/1/2026 | Listed for sale | $1,199,900$429/sqft |
Source:  Canopy MLS as distributed by MLS GRID #4410321 Report a problem | ||
| 8/1/2026 | Listing removed | $1,199,900$429/sqft |
Source: Canopy MLS as distributed by MLS GRID #4277092 Report a problem | ||
| 7/2/2025 | Listed for sale | $1,199,900+0.1%$429/sqft |
Source: Canopy MLS as distributed by MLS GRID #4277092 Report a problem | ||
| 7/1/2025 | Listing removed | $1,199,000$428/sqft |
Source: Canopy MLS as distributed by MLS GRID #4054215 Report a problem | ||
| 6/24/2025 | Price change | $1,199,000-7.7%$428/sqft |
Source: Canopy MLS as distributed by MLS GRID #4054215 Report a problem | ||
| 10/17/2023 | Price change | $1,299,000-3.8%$464/sqft |
Source: Canopy MLS as distributed by MLS GRID #4054215 Report a problem | ||
| 8/12/2023 | Listed for sale | $1,350,000+200%$482/sqft |
Source: Canopy MLS as distributed by MLS GRID #4054215 Report a problem | ||
| 11/5/2011 | Listing removed | $1,595$1/sqft |
Source: University Market Center, LLC #2044112 Report a problem | ||
| 10/5/2011 | Price change | $1,595-5.9%$1/sqft |
Source: University Market Center, LLC #2044112 Report a problem | ||
| 9/27/2011 | Listed for rent | $1,695$1/sqft |
Source: University Market Center, LLC #2044112 Report a problem | ||
| 8/1/2011 | Listing removed | $450,000$161/sqft |
Source: Allen Tate Company #975915 Report a problem | ||
| 9/26/2010 | Listed for sale | $450,000+429.4%$161/sqft |
Source: Allen Tate Company #975915 Report a problem | ||
| 6/14/2001 | Sold | $85,000$30/sqft |
Source: Agent Provided Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,655 +1% | $935,700 |
| 2024 | $4,608 +2.1% | $935,700 |
| 2023 | $4,515 +21.2% | $935,700 +77.1% |
| 2022 | $3,725 | $528,300 |
| 2021 | $3,725 | $528,300 |
| 2020 | $3,725 | $528,300 |
| 2019 | $3,725 +12% | $528,300 +8.9% |
| 2018 | $3,324 | $485,300 |
| 2017 | $3,324 +10.6% | -- |
| 2016 | $3,006 | -- |
| 2015 | $3,006 | $485,290 -3.1% |
| 2014 | $3,006 | $501,000 |
| 2013 | $3,006 | -- |
| 2012 | $3,006 | -- |
| 2011 | $3,006 +4.5% | -- |
| 2010 | $2,877 -0.2% | -- |
| 2009 | $2,883 +3.4% | -- |
| 2008 | $2,788 | -- |
| 2007 | $2,788 +34.8% | -- |
| 2006 | $2,069 | -- |
| 2005 | -- | -- |
| 2004 | -- | -- |
| 2003 | -- | -- |
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.Climate risks
Neighborhood: 28673
Nearby schools
GreatSchools rating
- 7/10Sherrills Ford ElementaryGrades: K-6Distance: 1.9 mi
- 4/10Mill Creek MiddleGrades: 7-8Distance: 6 mi
- 8/10Bandys HighGrades: PK,9-12Distance: 5.4 mi
- $1,386,4003 bd2 ba2.8k sqft3653 Lake Bluff Dr, Sherrills Ford, NC 28673Off Market
- $--0.76 acres3653 Lake Bluff Dr #5, Sherrills Ford, NC 28673Off Market
- $785,0003 bd3 ba1.6k sqft3631 Lake Bluff Dr, Sherrills Ford, NC 28673Sold
- $1,276,3004 bd5 ba2.7k sqft3659 Lake Bluff Dr, Sherrills Ford, NC 28673Off Market
- $716,6003 bd3 ba1.6k sqft3623 Lake Bluff Dr, Sherrills Ford, NC 28673Off Market
- $975,0003 bd3 ba2.2k sqft3665 Lake Bluff Dr, Sherrills Ford, NC 28673Sold
- $540,0003 bd2 ba2.1k sqft3567 Lake Bluff Dr, Sherrills Ford, NC 28673Sold
- $603,4003 bd2 ba3.4k sqft3652 Lake Bluff Dr, Sherrills Ford, NC 28673Off Market
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
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