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For sale by owner
  • $995,000

    4580 Kiser Island Rd, Terrell, NC 28682

    2beds
    820sqft
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    SingleFamily
    Built in 1966
    0.5 Acres Lot
    $736,800 Zestimate®
    $1,213/sqft
    $-- HOA

    Overview

    Welcome to The Cottage on Osprey Cove, a beautifully renovated 2-bedroom, 1-bath waterfront cottage on Lake Norman offering incredible year-round lake views, peaceful privacy, and classic lake living. Located at 4580 Kiser Island Road, Terrell, NC 28682, this charming 900 sq. ft. cottage, built in 1966, sits on a spacious 0.56-acre lot with approximately 150 feet of shoreline. The property features a fantastic one-mile lake view, stunning sunrises from the living room and primary bedroom, and plenty of space for future additions or the opportunity to build your dream lake home. Inside, the cottage offers beautiful hardwood floors, comfortable living spaces, and a warm lake-house feel. The home has been thoughtfully renovated and is move-in ready, with central A/C and heat, an HVAC system approximately 5 years old, and a roof approximately 5 years old. The property also includes a permitted septic system with no known issues. Outdoor living is a standout feature. A large screened porch extends the living space, creating the perfect place to relax, dine, entertain, or enjoy the lake views year-round. There is also an open deck for grilling and outdoor seating. The waterfront setup is exceptional, with a 30-foot floating dock with boat slip, water, and power. The dock is permitted through Duke Energy, grandfathered, and was renovated approximately 2 years ago. It has year-round water at the dock, even at the lowest lake levels, and can accommodate multiple boats. Jet skis and jet ports may be sold separately. Additional features include lake-fed irrigation, a 360-degree security camera system, plenty of parking, additional parking for an RV or boat trailer, and no HOA. Conveniently located close to shopping, grocery stores, waterfront restaurants, bars, medical services, and everyday conveniences, while still offering the quiet beauty of lakefront living. Located in a highly regarded school district. Highlights: 2 bedrooms / 1 bathroom Approximately 900 sq. ft. Built in 1966 0.56-acre waterfront lot Approximately 150 feet of shoreline Fantastic one-mile lake view Beautiful hardwood floors Large screened porch and open deck 30-foot floating dock with boat slip Dock has water and power Year-round water at dock Duke Energy permitted/grandfathered dock Dock renovated approximately 2 years ago HVAC approximately 5 years old Roof approximately 5 years old Permitted septic system with no known issues Lake-fed irrigation 360-degree security camera system Plenty of parking, including RV/boat trailer parking Jet skis and jet ports may be sold separately No HOA Sold as-is This is lake living at its finest — a beautifully updated waterfront cottage with big water views, a permitted grandfathered dock, renovated major systems, excellent year-round water access, and outstanding future potential. Whether you are looking for a primary residence, weekend lake retreat, vacation home, investment property, or future dream-home site, The Cottage on Osprey Cove is a rare opportunity to own a move-in-ready waterfront property on Lake Norman. Property is being sold as-is. Buyer to verify all information important to them, including square footage, lot size, waterfront measurements, dock permitting, water depth, school assignments, septic capacity, zoning, setbacks, and future building or expansion options. ******************************************************************** No solicitations. Will not entertain low offers. Serious buyers only. Unrepresented buyers Initial /inquiries/contact by email. Buyers Agents may text to request information/schedule viewing. Viewing by appointment only.
    2 days
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    195
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    Listed by:

    Property Owner (904) 472-8973

    This property is for sale by owner and Zillow, Inc. is displaying it at the owner's request. It is not subject to a listing agreement with Zillow, Inc. or its affiliates.

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 1
      • Full bathrooms: 1
      Heating
      • Forced air, Electric
      Cooling
      • Central
      Appliances
      • Included: Dishwasher, Dryer, Freezer, Microwave, Range / Oven, Refrigerator, Washer
      Features
      • Flooring: Hardwood
      • Basement: None
      • Has fireplace: Yes
      Interior area
      • Total interior livable area: 820 sqft

      Property

      Parking
      • Total spaces: 5
      • Parking features: Off-street
      Features
      • Exterior features: Other
      • Has view: Yes
      • View description: Water
      • Has water view: Yes
      • Water view: Water
      Lot
      • Size: 0.5 Acres
      Details
      • Parcel number: 461602576128

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Conventional
      Materials
      • Other
      • Foundation: Crawl/Raised
      • Roof: Metal
      Condition
      • New construction: No
      • Year built: 1966

      Community & HOA

      Location
      • Region: Terrell

      Financial & listing details

      • Price per square foot: $1,213/sqft
      • Tax assessed value: $651,900
      • Annual tax amount: $3,243
      • Date on market: 6/10/2026
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        Estimated market value

        $736,800

        $663,000 - $825,000

        $1,384/mo

        Price history

        DateEventPrice
        6/10/2026Listed for sale$995,000-5.2%$1,213/sqft
        Source: Owner Report a problem
        1/21/2025Listing removed$2,400$3/sqft
        Source: Zillow Rentals Report a problem
        1/4/2025Listed for rent$2,400-4%$3/sqft
        Source: Zillow Rentals Report a problem
        10/5/2024Listing removed$2,500$3/sqft
        Source: Zillow Rentals Report a problem
        9/16/2024Price change$2,500+4.2%$3/sqft
        Source: Zillow Rentals Report a problem
        9/4/2024Listed for rent$2,400+26.3%$3/sqft
        Source: Zillow Rentals Report a problem
        7/25/2024Listing removed$1,050,000$1,280/sqft
        Source: Canopy MLS as distributed by MLS GRID #4082458 Report a problem
        10/27/2023Listed for sale$1,050,000+244.3%$1,280/sqft
        Source: Canopy MLS as distributed by MLS GRID #4082458 Report a problem
        3/24/2021Listing removed--
        Source: Owner Report a problem
        6/2/2017Listing removed$1,900$2/sqft
        Source: Owner Report a problem
        5/2/2017Listed for rent$1,900$2/sqft
        Source: Owner Report a problem
        11/6/2015Sold$305,000-6.2%$372/sqft
        Source: Canopy MLS as distributed by MLS GRID #3057688 Report a problem
        9/14/2015Pending sale$325,000$396/sqft
        Source: NHB Group, Inc #3057688 Report a problem
        7/20/2015Price change$325,000-16.5%$396/sqft
        Source: NHB Group, Inc #3057688 Report a problem
        1/18/2015Listed for sale$389,000$474/sqft
        Source: NHB Group, Inc. #3057688 Report a problem
        11/23/2014Listing removed$389,000$474/sqft
        Source: Lake Norman Realty, Inc. #3019470 Report a problem
        7/9/2014Listed for sale$389,000+25.5%$474/sqft
        Source: Lake Norman Realty, Inc. #3019470 Report a problem
        10/24/2005Sold$310,000$378/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$3,243 +2.3%$651,900 +1.3%
        2024$3,170 +2.1%$643,700
        2023$3,106 +52.1%$643,700 +92.4%
        2022$2,042 -13.4%$334,600
        2021$2,359 $334,600
        2020$2,359 $334,600
        2019$2,359 -0.6%$334,600 -3.4%
        2018$2,373 $346,400
        2017$2,373 -1.5%--
        2016$2,410 --
        2015$2,410 $346,430 -13.7%
        2014$2,410 $401,600
        2013$2,410 --
        2012$2,410 --
        2011$2,410 +28.9%--
        2010$1,869 --
        2009$1,869 +3.4%--
        2008$1,808 --
        2007$1,808 +104%--
        2006$886 --
        2005-- --
        2004-- --
        2003-- --
        2002-- --
        2001-- --
        2000-- --

        Find assessor info on the county website

        Monthly payment

        Est. payment

          Payment breakdown

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          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: 28682

          Getting around

          0 / 100
          Car-Dependent
          21 / 100
          Somewhat Bikeable

          Nearby schools

          GreatSchools rating
          Schools provided by the listing agent
          • Elementary: Sherrills Ford
          • Middle: Mill Creek
          • High: Bandys

          Source: The MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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