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John KurtzNational Real Estate

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Terrell · Terrell, NC

3889 Granite Street

Terrell, NC · 2,950 sqft

$635,000

  • 3Beds
  • 2.5Baths
  • 2,950SqFt
  • 2003Year
  • 54Days on market

About this home

SOMERSET LAKE NORMAN!! This well-maintained home is situated on a private, peaceful lot with winter views of Lake Norman in Terrell, Catawba County, NC. A well-manicured lawn, lush landscaping and a nice exterior envelope you as you drive up. This transitional-style, one-owner home has a fabulous floor plan with both the primary bedroom and laundry room on the main level. You are welcomed inside by newly refinished, beautiful hardwood floors to two-story Great Room w/gas logs fireplace and a dedicated Dining Room with a beautiful vaulted ceiling! The Kitchen is open to the Living Room and features hickory cabinets, an electric cooktop w/microwave hood, a wall oven, new stainless steel dishwasher, disposal and a pantry. There is a cozy Breakfast Room overlooking the backyard gardens and nice back deck with retractable awning. Fresh paint and NEW windows in 2026 that feature Plantation Shutters and custom roller shades . The main level Primary Bedroom has a nice sitting area with a cozy gas logs fireplace, a large en suite bathroom with dual vanities, garden tub and separate shower, and huge walk-in closet with laundry chute! A Powder Room on main level for guests is tucked away in the back hall. You will love the large Laundry/Mud Room, which is right off the Garage and has a utility sink and side door. The upstairs has two nice-sized secondary Bedrooms with large closets and a shared bathroom with double vanity areas. There is also Bonus Room over the garage with additional flexible space, which was originally designed as a home theater w/ wet bar and home gym. Convenient attached, 500-sq ft double garage with built-in shelving for additional storage. Irrigation system and recent spring yard service. Encapsulated crawl space. Nestled halfway between Mooresville and Denver for schools, restaurants, shops & conveniences in either direction!! Just 5 minutes to Midway Marina with Boat Rentals and private Boat Clubs, and only 7 minutes to both Pinnacle and McCrary Creek Public Lake Access launch sites!! Come live the Lake Life!!

Property details

Beds
3
Baths
2.5
SqFt
2,950
Lot
Year built
2003
Type
Single Family
Days on market
54
Garage
2
Heating
Central, Electric, Heat Pump
Cooling
Central Air, Electric
Foundation
Crawl Space
Flooring
Carpet, Tile, Wood
View
Water, Winter
HOA dues
$250 / yr

Features

  • Attic Other
  • Breakfast Bar
  • Built-in Features
  • Garden Tub
  • Open Floorplan
  • Pantry
  • Storage
  • Walk-In Closet(s)
  • In-Ground Irrigation

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$4,694/ month

Principal & interest
$3,932
Property tax (~1.05%)
$555
Homeowners insurance
$185
HOA dues
$20

Down payment

$31,750 down · $603,250 financed

Income to qualify (28% rule)

~$201,189 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.