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Active

5401 Mountain Point Lane

Charlotte, NC 28216

Active CDOM: 206 days Listing ID CAR 315820997

$1,799,990
Est. $11,486/mo20% down · 7.125% · 30-yrAdjust
  • P&I$9,701
  • Taxes$1,125
  • Insurance$600
  • HOA$60

Principal, interest, property tax, insurance & HOA. Estimate only — not a loan offer.

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$556/Sq Ft

4 bd · 3 ba · 3,239 sqft · $556/sqft

4 Beds
3 Baths
3,239 Sq Ft
$556/Sq Ft
1991 Built
1.61 acres Single Family Residence Mountain Point Listed Oct 2, 2026 Updated Oct 8, 2026 HOA $725/yr

Waterfront

WaterMountain Island Lake

HOA & Association

Dues$725/yrMonthly≈ $60/mo

About This Home

This is the kind of resort you book eight months out. Here, you get to live in it. Welcome to Mountain Point Resort, a 4-bedroom, 3.5-bath full-brick estate on 1.61 private acres on Mountain Island Lake, with a view across the water to 1,500 acres of protected Latta Nature Preserve.

Pull through the gate and the day falls away. The owner created this space to be a venue, and it shows. The heated saltwater gunite pool features a built-in hot tub, expansive walk-in steps, and gas fire features, plus a swim-up bar with submerged seating that connects straight to the covered bar and first outdoor kitchen, so guests never have to leave the water. Porch swings hang under the timber-framed pavilion, and just across the outdoor kitchen sits one of the most charming spaces on the property: a private cabana with knotty pine walls, exposed brick, a loft ladder, and a roll-up glass door that opens the whole room to the pavilion. Inside is a kitchenette with sink, refrigerator, freezer, and microwave, plus room for a bed, so it works as a guest retreat, catering kitchen, or whatever the party needs. A full pool bath with dual showers and granite finishes, plus an outdoor shower, keeps wet feet out of the main house. This is an entertainer's dream.

Inside, nothing came off a builder's spec sheet. The living room is anchored by floor-to-ceiling artisan-bleached stone framing the fireplace, under a whitewashed shiplap ceiling with exposed beams, and natural stone floors carry that character through the home. The kitchen is one of a kind, with leathered quartzite countertops, custom wood cabinetry, stainless appliances, and a gas cooktop. The dining area sits in a bay window filled with light.

Upstairs, the primary suite frames Mountain Island Lake through floor-to-ceiling vaulted windows, with a walk-in closet and a private bath with dual vanities. Two more bedrooms share this level, one nearly as large as the primary and the other currently set up as a custom wardrobe room that converts back to a bedroom, along with a full bath and laundry room. A separate wing has its own private entrance and staircase leading to a nearly 30-foot suite with its own half bath. In-laws, long-term guests, a home office, or rental potential, it is its own little world under the same roof.

Out back, the covered lakeside patio is an outdoor living room with stone underfoot, ceiling fans, a lakeside fireplace, and a second outdoor kitchen built for crowds: commercial hood, warming drawers, and a 23-foot counter. A walkway winds past gardens and a boulder-stacked water fountain to a lower patio with full electric for live music, a gazebo with a wood-burning fire pit overlooking the water, and a paved golf cart path all the way down to the newly built double-decker dock. Trex-style composite decking, a waterproof Gutter Deck upper level that stays cool underfoot, a 10,000-pound boat lift, a rotating jet ski lift, and extra-wide stairs for kayaks and paddleboards. Across the water, nothing but protected preserve. No docks, no rooftops, no construction, ever.

Mountain Island Lake is one of Charlotte's best-kept secrets and its closest lake, about 20 minutes from uptown. It supplies the region's drinking water, so much of its 61 miles of shoreline stays protected, with no commercial marinas or restaurants on the water. Quiet water, no crowds. Three-car side-entry garage, circular drive, Sonance surround sound and Eero WiFi that convey, a security system, in-ground irrigation, and both central air and ductless mini-splits. The new 2025 roof carries a 30-year warranty, and a low $725 annual HOA includes access to the community boat ramp. Schedule your private tour today. Welcome home to Mountain Point Resort.

Property history

  1. Oct 2, 2026
    Listed for sale $1,799,990 Active
    CDOM: 206 days
  2. Sep 1, 2026
    Status changed to Off Market $1,899,000 Off Market
    Active -> Off Market
  3. Jun 26, 2026
    Price reduced $1,899,000 Active
    Was $1,999,000
Show 8 more Show less
  1. Apr 10, 2026
    Price reduced $1,999,000 Active
    Was $2,090,000
  2. Mar 13, 2026
    Price reduced $2,090,000 Active
    Was $2,100,000
  3. Mar 11, 2026
    Back on market $2,100,000 Active
    Off Market -> Active
  4. Mar 11, 2026
    Status changed to Off Market $2,100,000 Off Market
    Hold -> Off Market
  5. Mar 11, 2026
    Status changed to Hold $2,100,000 Hold
    Active -> Hold
  6. Feb 12, 2026
    Previously listed $1,899,000 Off Market
  7. Dec 17, 2013
    Sold $625,000 Closed
    Listed $639,500 · Oct 14, 2013 64 days on market
    Previously sold for $625,000
  8. Oct 14, 2013
    Previously listed $639,500 Closed

Property Details

Interior Details

Heating
  • Ductless
  • Heat Pump
Flooring
  • Carpet
  • Stone
  • Tile
  • Wood
Room Count
11
Door Features
  • French Doors
Half Bathrooms
1
Unheated Sq Ft
883
Total Bathrooms
4
Laundry Features
  • In Bathroom
  • In Hall
  • Inside
  • Main Level
  • Multiple Locations
Main Level Sq Ft
1497
Interior Features
  • Breakfast Bar
  • Built-in Features
  • Open Floorplan
  • Walk-In Closet(s)
Main Level Garage
Yes
Upper Level Sq Ft
1742
Fireplace Features
  • Den
  • Fire Pit
  • Gas Log
  • Outside
Main Level Bedrooms
0
Unheated Main Sq Ft
737
Unheated Upper Sq Ft
146
Upper Level Bedrooms
4
Main Level Full Baths
1
Main Level Half Baths
0
Upper Level Full Baths
2
Upper Level Half Baths
1

Dwelling And Structure

Construction Type
Site Built
Architectural Style
  • Cape Cod
  • Old World
  • Rustic

Square Footage And Levels

Levels
  • Two
Above Grade Finished Area
3239

Parking And Garage

Parking Features
  • Circular Driveway
  • Driveway
  • Electric Gate
  • Attached Garage
  • Garage Door Opener
  • Garage Faces Side

Exterior Features

Roof
  • Architectural Shingle
Exterior Features
  • Fire Pit
  • Dock - Floating
  • Hot Tub
  • Gas Grill
  • In-Ground Hot Tub / Spa
  • Outdoor Kitchen
  • Outdoor Shower
  • Other - See Remarks
Construction Materials
  • Brick Full
Patio And Porch Features
  • Covered
  • Deck
  • Front Porch
  • Patio
  • Porch
  • Rear Porch
  • Terrace
  • Wrap Around
  • Other - See Remarks

Lot And Land

Lot Size Acres
1.61
Lot Size Units
Acres
Other Structures
  • Gazebo
  • Other - See Remarks

Basement And Foundation

Foundation Details
  • Crawl Space

Waterfront And View

View
  • Long Range
  • Water
  • Year Round
Waterfront Features
  • Boat Lift
  • Boat Lift – Community
  • Boat Slip (Deed)
  • Covered structure
  • Dock
  • Paddlesport Launch Site
  • Paddlesport Launch Site - Community
  • Personal Watercraft Lift
  • Pier

Utilities

Sewer
  • Septic Installed
Utilities
  • Electricity Connected
  • Natural Gas
Water Source
  • City

Financial Information

City Taxes Paid To
Charlotte

Zoning And Restrictions

Zoning
N1-C
Subject To Ccrs
Yes

Pool And Spa

Private Pool
true
Pool Features
  • Fenced
  • Heated
  • In Ground
  • Outdoor Pool
  • Pool/Spa Combo
  • Salt Water

Listed by Josh Finigan (704-913-4662) · EXP Realty LLC Ballantyne (704-248-8230)

Location

Address
5401 Mountain Point Lane
City
Charlotte, NC 28216
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Schools

Elementary
Mountain Island Lake Academy
Middle
Mountain Island Lake Academy
High
Hopewell

School assignments may change. Contact the school district to confirm.

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5401 Mountain Point Lane, Charlotte, NC, 28216

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