3645 Lake Bluff Drive

Sherrills Ford, NC 28763

$1,199,900

Active

4 bedrooms
5 bathrooms
2,799 sq ft
0.77 acre lot
built 2002

About this home

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.

The details

MLS number: 4410321
Status: Active
Property type: Single Family Residence
Bedrooms: 4
Bathrooms: 5
Living area: 2,799 sq ft
Lot: 0.77 acres
Year built: 2002
Levels: Two and a Half
Garage: Yes
Subdivision: The Retreat
County: Catawba County
Waterfront: Yes
Days on market: 56

Facts and features

Interior

Bedrooms by level: Main 1, Upper 2, Basement 1
Full bathrooms by level: Main 2, Upper 1, Basement 2
Heating: Central, Heat Pump
Cooling: Central Air
Appliances: Dishwasher, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator
Laundry: Electric Dryer Hookup, Gas Dryer Hookup, Main Level
Interior features: Attic Other
Flooring: Tile, Wood
Basement: Yes
Basement features: Exterior Entry, Finished, Full, Interior Entry, Walk-Out Access, Walk-Up Access
Fireplace: No
Above grade finished area: 2,096 sq ft
Below grade finished area: 703 sq ft
Main level area: 1,048 sq ft
Upper level area: 1,048 sq ft
Lower level area: 0 sq ft
Third level area: 0 sq ft
Garage area: 450 sq ft
Unheated area: 0 sq ft
Total heated living area: 2,799 sq ft

Primary Bedroom · Main · Cathedral Ceiling(s)
2nd Living Quarters · Basement
2nd Primary · Basement
Office · Third
Bonus Room · Third
Laundry · Main
Laundry · Basement
Great Room-Two Story · Main
Kitchen · Main
2nd Kitchen · Basement
Dining Area · Basement
Dining Area · Main
Family Room · Basement

Property

Garage spaces: 4
Parking: Driveway, Attached Garage, Garage Door Opener, Garage Faces Front
Carport spaces: 0
Open parking: Yes
Main level garage: Yes
Levels: Two and a Half
Patio and porch: Balcony, Covered, Deck, Terrace, Wrap Around
Fencing: Partial
View: Water
Waterfront features: Boat Ramp, Boat Ramp – Community, Boat Slip – Community, Boat Slip (Lease/License), Dock
Body of water: Lake Norman
Lot features: Waterfront, Wetlands, Wooded
Parcel number: 460701388393
Zoning: R-20
Zoning description: R20

Construction

Property sub type: Single Family Residence
Construction type: Site Built
Architectural style: A-Frame
Construction materials: Hard Stucco, Stone Veneer, Vinyl
Foundation: Basement, Slab
New construction: No
Year built: 2002

Utilities

Sewer: Septic Installed
Water source: Well

Community and HOA

Community features: Lake Access
Subdivision: The Retreat
Has an association: Yes
Association fee: $350, Annually
Association: Monica Matola
Subject to HOA: Required
City taxes paid to: No City Taxes Paid

Financial and listing details

Price per square foot: $429 per sq ft (computed)
Tax assessed value: $935,700
Date on market: August 1, 2026
Cumulative days on market: 1141
Road surface: Concrete, Paved
Listing updated: September 26, 2026

Price history for this listing

Original list price: $1,199,900
Price changed: August 1, 2026
Last change: New Listing
Last changed on: August 1, 2026

Listing information

Listed by Ware Properties & Commercial Investments

Listing agent: Miles Ware

Email: wareprop@aol.com

MLS number 4410321 · Active

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