Welcome Home to the Lake Side! - 146 Duck Cove Road, Belmont
Welcome Home! - 146 Duck Cove Road, Belmont
Front Entrance - 146 Duck Cove Road, Belmont
Waterfront Property LAKE WYLIE at South Fork Catawba River - 146 Duck Cove Road, Belmont
Waterfront Property LAKE WYLIE at South Fork of the Catawba River. You can see the roof top of the house and the new housing development going up across the street on Duck Cove Road. - 146 Duck Cove Road, Belmont
Kitchen eating area. Virtually Enhanced. - 146 Duck Cove Road, Belmont
Kitchen eating area. - 146 Duck Cove Road, Belmont
Kitchen eating area. Virtually Enhanced. - 146 Duck Cove Road, Belmont
Kitchen. - 146 Duck Cove Road, Belmont
Kitchen. Virtually Enhanced. - 146 Duck Cove Road, Belmont
Kitchen. - 146 Duck Cove Road, Belmont
Upstairs Den area. Virtually Enhanced. - 146 Duck Cove Road, Belmont
Upstairs Den area. - 146 Duck Cove Road, Belmont
Upstairs Den area. Virtually enhanced. - 146 Duck Cove Road, Belmont
Upstairs Den area. - 146 Duck Cove Road, Belmont
Bedroom One upstairs. Virtually enhanced. - 146 Duck Cove Road, Belmont
Bedroom One upstairs. - 146 Duck Cove Road, Belmont
Bedroom One upstairs. Virtually Enhanced. - 146 Duck Cove Road, Belmont
Bedroom One upstairs. - 146 Duck Cove Road, Belmont
Bedroom Two upstairs. Virtually Enhanced. - 146 Duck Cove Road, Belmont
Bedroom Two upstairs. - 146 Duck Cove Road, Belmont
Bedroom Two upstairs. Virtually Enhanced. - 146 Duck Cove Road, Belmont
Bedroom Two upstairs. - 146 Duck Cove Road, Belmont
Upstairs Bathroom. - 146 Duck Cove Road, Belmont
Downstairs kitchen area. Virtually Enhanced. Ceiling is under 7 Feet. - 146 Duck Cove Road, Belmont
Downstairs kitchen area. Ceiling is under 7 Feet. - 146 Duck Cove Road, Belmont
Downstairs den area looking from kitchen side. Virtually Enhanced. Ceiling is under 7 Feet. - 146 Duck Cove Road, Belmont
Downstairs den area looking from kitchen side. Ceiling is under 7 Feet. - 146 Duck Cove Road, Belmont
Downstairs Den area. Virtually Enhanced. - 146 Duck Cove Road, Belmont
Downstairs Den area. - 146 Duck Cove Road, Belmont
Downstairs kitchen area. Virtually Enhanced. Ceiling is under 7 Feet. - 146 Duck Cove Road, Belmont
Downstairs kitchen area. Ceiling is under 7 Feet. - 146 Duck Cove Road, Belmont
Waterfront Property LAKE WYLIE at South Fork of the Catawba River. You can see the roof top of the house and the new housing development going up across the street on Duck Cove Road. - 146 Duck Cove Road, Belmont
Waterfront Property LAKE WYLIE at South Fork of the Catawba River. You can see the roof top of the house and the new housing development going up across the street on Duck Cove Road. - 146 Duck Cove Road, Belmont
Downstairs Bathroom. Ceiling is under 7 Feet. - 146 Duck Cove Road, Belmont
Downstairs Bathroom. Virtually enhanced. Ceiling is under 7 Feet. - 146 Duck Cove Road, Belmont
Downstairs Bathroom. Ceiling is under 7 Feet. - 146 Duck Cove Road, Belmont
Left Side of Home. - 146 Duck Cove Road, Belmont
Right Side of Home. - 146 Duck Cove Road, Belmont
Right side of Yard and Weeping Cherry. - 146 Duck Cove Road, Belmont
Right Side of Home. - 146 Duck Cove Road, Belmont
Downstairs Porch. - 146 Duck Cove Road, Belmont
Carport and Shed. - 146 Duck Cove Road, Belmont
Front Driveway. - 146 Duck Cove Road, Belmont
Publix Grocery Store Coming Soon less than one mile. - 146 Duck Cove Road, Belmont
45 photos

$555,000

146 Duck Cove Road
Belmont, NC 28012
Listed by Gina Collias · Lake Homes Realty LLC
Bedrooms
2
Bathrooms
1
Living area
1,920 sqft
Year built
1974

About this home

Discover the opportunity to own 1.32 private waterfront acres on peaceful Duck Cove Road at Lake Wylie. Less than one mile from the new proposed Publix Grocery on New Hope Road, this property offers the perfect balance of privacy, convenience, and natural beauty. Surrounded by nearby prestigious communities, including the luxury homes of McLean and Reflection Pointe, with new off water home communities under construction, you'll enjoy an exceptional location —making this a rare opportunity to create your own waterfront dream home. Whether you're looking to renovate the existing home or live comfortably while planning your custom lakefront residence, this property offers outstanding potential. Tucked away on the Catawba River at Lake Wylie, you'll enjoy a private nature sanctuary where blue herons, egrets, Red-tailed Hawks, and deer are frequent visitors. The calm, glass-like waters provide the perfect setting for morning coffee, kayaking, paddleboarding, fishing, or simply unwinding while surrounded by the beauty of the lake. As the seasons change, the cove offers an ever-changing natural landscape, creating a front-row seat to the beauty and rhythm of Lake Wylie. With no HOA, you'll have the freedom to make the property your own. The generous 1.32-acre homesite provides ample space for your vision while preserving privacy, and the grandfathered dock (in need of repair) offers a connection to the lake that enhances this unique waterfront setting. Rarely does an opportunity combine the privacy of a nature retreat with the convenience of nearby shopping, luxury neighborhoods, and the chance to build a custom waterfront home in one of Lake Wylie's most desirable and rapidly growing areas. Sold AS IS. Septic permit is for two bedrooms. Rear portions of finished basement are under 7ft in height and are therefore not included in square footage. American Home Shield Warranty is provided.

Highlights

Fireplace

Property details

MLS
Canopy MLS
MLS #
CAR4405510
Property type
Single Family Residence
Subdivision
Lake Wylie
Status
Active
Days on market
89
On market date
July 23, 2026
Stories
N/A
Total bathrooms
1
Garage spaces
N/A
Parking spaces
N/A
Lot size
N/A
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
New Hope Elementary
1.42 mi away · Grades 0-5
Zoned school (attendance boundary, 2015-16 data)
3.7
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
473
Student:teacher ratio
15.8:1
District
Gaston County Schools
Middle
Cramerton Middle
2.06 mi away · Grades 6-8
Zoned school (attendance boundary, 2015-16 data)
3.4
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
890
Student:teacher ratio
18.9:1
District
Gaston County Schools
High
Gaston Early College High School
10.56 mi away · Grades 9-13
Zoned school (attendance boundary, 2015-16 data)
3.8
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: A (2025)
Enrollment
238
Student:teacher ratio
23.8:1
District
Gaston County Schools

Walkability

Blended score for Belmont's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

41
Somewhat walkable
out of 100
EPA National Walkability Index
8.2 / 20 -- Below average walkable
Google Places amenity density
40 / 100
Restaurants & cafes4
Grocery stores3
Parks1
Schools2
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in Belmont, from live MLS data.

On the market 89 days -- 6 more days than Belmont's current average of 83 days.
For reference, the median list price across 257 active listings in Belmont right now is $450,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$3,492/mo
$111,000 down
$444,000 loan
Principal & interest$2,880
Property tax (est.)$463
Home insurance (est.)$150

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Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated 6 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.