Harbor Watch on Lake Norman – Statesville NC

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Harbor Watch:

Welcome to Harbor Watch on Lake Norman in Statesville NC!  This community is located on the upper end of Lake Norman on the main channel of the Catawba River.  Centrally located between Hickory, Statesville and Mooresville and with easy access to I-40.  You will love the large wooded lots and privacy between homes.  Most of the interior lots range from .75 to over 3 acres!  Waterfront lots range from .5  to over an acre.  As you drive around this neighborhood, you will get the sense you are in the mountains with rolling hills and mature wooded landscape.

Come explore the unique features offered by the Harbor Watch Community.  There are two private islands on Lake Norman offering fun for all.  Bring the family and camp out, hang out on the small beach area, fish or just pull up the boat and visit with your neighbors.  There are also two small interior stocked fishing ponds that are catch and release.  Pull up a seat on the park benches and watch the fun!

If you love boating on Lake Norman, there are community day slips available for you.  Load up the boat in the morning and take off for a day of fun on the lake!  The boat landing has a covered gazebo area, sunning decks and picnic area plus a boat launch area and parking space.  When you finish the day, you can take store your boat in the secure fenced storage area just off Laurel Cove Rd.  This storage area offers plenty of room for RV’s, boats, trailers and additional vehicles.

To get to Harbor Watch on Lake Norman in Statesville NC, take Exit 42 – Troutman- off of I-77 and go north on 21 through town, past the Food Lion.  Take a left on Old Mountain Road to the next light then L on Buffalo Shoals Rd for about 3 miles.  Left on Laurel Cove and the Harbor Watch will be on your right.  You will see the beautifully landscaped front entrance and gate house.

 

HOUSING:

This community has approximately 176 lots and there are still plenty of lots available to build your dream home.  There is an architectural review committee that  will approve your phpjSYYuEAM.jpgplans and provide you with the guidelines for building. Bring you own builder or contact me for recommendations of local building contractors.  You can review the guidelines at the community website:  www.harborwatchhoa.bondwaresite.com

There are a great variety of homes available for sale in Harbor Watch ranging in price from $250,000 to over a million.  There are waterfront lots, waterview of Lake Norman or of the interior lakes and interior lots.  Search all homes for sale  in Harbor Watch or call me for homes that may not be listed or are coming soon to the market.

Harbor Watch is a private community with private roads that are maintained by the HOA.  Annual dues are currently $600 (please verify current dues) and this includes road maintenance, maintenance of the common areas and amenities.  All homes will have their own septic system and water well.

Take a drive through tour of Harbor Watch:

http://www.mlsfinder.com/ncsc_cmls/sonyaleonard/index.cfm?action=newsearchsession&search_mode=form&primarysearchtype=active&searchtype=subdivision&state=NC&min_price=0&max_price=1000000000&subdivision_text=harbor%20watch&resetform=1&resetform=1

SCHOOLS:

Living in Statesville NC offers many options for education from public schools, to private options to Higher Education.  Public Schools options with depend on the where you live.  You can visit the Iredell- Statesville Schools Website for school assignments and more information about the school district.  If private schools are what you are searching for, you will find many options such as Statesville Montessori, Cornerstone Christian, Southview Christian Academy and Statesville Christian.  There is also the American Renaissance School in downtown Statesville for grades K-8.  Higher Education options include Mitchell Community College and Gardner Webb University.  Click this link for common questions about enrollment in NC Public Schools.

 

FUN THINGS TO DO:

Statesville is full of activities that will please any age or interest.  Every year you will enjoy the sites and tastes at the Carolina Balloonfest, the Crossroads Pumpkinfest, the annual Christmas Parade or the summer “Friday after Five” Concert series.  Take a visit to the Fort Dobbs Historic Civil War Site or take the kids to Zootastic for a fun fill day with the animals.  You might like to take the downtown guided tour of historic sites or join in on the annual “Amazing Race” sponsored by the Statesville Chamber of Commerce.  Come out for the downtown Art Crawls or take a day visiting one of the local NASCAR Race shops.  If you love horses, a drive out the Love Valley (our very own western town in the Piedmont) and take some horse riding lessons or watch a real rodeo.  You can drive to Troutman for the annual Iredell County Fair or watch the annual Independence Day Parade and Fireworks. Let’s not forget that NC has lots of vineyards in this area and a must see is Daveste Vineyards in Troutman.  A great day of wine tasting and good music!

If enjoying a day on the lake, cruise south below the Hwy 150 bridge and explore Queens Landing for the day.  Enjoy mini golf, outside entertainment, the piano bar and don’t miss the annual 4th of July fireworks.  Check out one of the local waterfront restaurants on Lake Norman and enjoy a fabulous lunch. Find one of the local sandbars and hang for the day or just spend the day skiing, tubing and swimming.  It’s a great place to play for the day!

Located just a few miles away is the Lake Norman State Park where you can enjoy camping, hiking, bike riding through miles of trails, swimming and much more.

OTHER IMPORTANT AMENITIES:

In every city or town you choose to live, some things you must have access to are good hospitals and other resources such as a library and recreational facilities.  Living in Statesville NC will give you many choices when it comes to your health and family.  Statesville is home to Iredell Memorial Hospital and Davis Regional Medical Center and is only a short distance from Lake Norman Regional Medical, Carolinas Medical Center, Presbyterian Hospital and specialty medical facilities such as the Lavine Children’s Hospital and Wake Forest Medical Center.

Statesville has a beautiful library close to downtown and offers recreational facilities for families at the Statesville Fitness and Activity Center, the YMCA, the Boys and Girls Club, ZX Fitness, All American Fitness, Total Fitness and more.

Thinking of selling your Harbor Watch Home or buying in Harbor Watch?harborwatchislands2.jpg

Work with experience.  I have personally been a part of over 8 transactions in Harbor Watch and know the community very well.  I can answer all your questions or show you any homes for sale.  Feel free to contact me today for my marketing plan or to schedule an appointment.  I look forward to hearing from you!

Call Sonya Leonard with The Home Style Team directly at 704-450-0588 for your personal tour of Harbor Watch or other Lake Norman Communities.  Sign up on my website to be notified of new Harbor Watch Listings as soon as they hit the market!

Your Real Estate Closing just got a little faster in Mooresville NC!

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That’s right.  Mooresville NC just opened a satellite office for the Register of Deeds.  This is good news for those buyers and sellers that close in the southern part of Iredell County.  The main office of the Iredell County Register of Deeds is located in Statesville now and attorneys have to use couriers to record the final documents.  In many cases, the new buyers are unable to receive the keys to their new home until the deed is recorded and it becomes a waiting game.  The new office will be located close to downtown Mooresville in the old Lowrance Hospital on Center St.   Read more….

What can I expect at the closing table?

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You are almost there!  Most of the hard part is behind you now.  Once the buyer has completed  inspections and you have worked out and completed all the requested repairs, you are headed into the home stretch.  At this point, you are waiting on confirmation that the buyers financing is complete, the final loan package has been sent to the closing attorney and you have been given a clear to close.  You should receive a copy of the preliminary HUD-1 for review at least a day before closing.  Don’t be surprised, however, if you don’t see one until you are sitting at the closing table.

HUD-1:

This document is what you will sign at closing that will have all the numbers associated with the transaction in one place.  You should get this document just before the closing from your Realtor and you should go over every line carefully to make sure all information is correct and that you understand what each line represents.  Your attorney will go over this in detail at the closing, but it is a good idea to head off any problems in advance so that you don’t have changes at the closing table.  If you have to make changes on the day of closing, it could delay the recording of the deed and your ability to get your funds.

Here is what you want to look for:

  • Make sure your name and the property address is correct.
  • Review the seller side to make sure the Purchase price is correct.  The seller side is the right side of the document.  It is a good idea to start on page 2 where the breakdown of all the seller paid closing costs are listed.  You will see the commission paid to the Real Estate Firm, any attorney fees, recording costs and doc stamp fees.  In NC, the seller must pay $2.00 per $1000 of the purchase price.
  • Review any additional costs such as a survey, contractor costs for repairs not paid, inspections done by the seller or anything else the seller needs to pay out of the proceeds.
  • Back on page one, make sure the purchase price is correct. Review any adjustments made for pro-rated taxes and HOA fees.    Seller fees from page 2 will also show up here to be deducted.  This page will show what the proceeds from the sale will be or if you need to come to the table with any funds.  There will be a few other sheets attached that will give more detail on where the numbers come from.

At closing, you will sign 5-6 copies for all parties.  This form needs to be correct and the lender for the buyer needs to approve it before funds can be released and the deed can be recorded.

DAY OF CLOSE:

All parties to the transaction must be present to sign unless other arrangements have already been made.  If you are unable to be at the closing, you will need to make arrangements to have the documents sent to you in advance so that you can sign and have notarized and get back to the attorney in time for the close.  You can also arrange to have a power of attorney  to allow someone else to sign for you.  In many states, even if the spouse is not on the deed, they will still need to sign to sell the home.  Please check with the closing attorney if you are unsure.  You will need to bring your ID and any funds (if necessary).

The attorney will normally sit down with all parties, get everyone’s ID’s and then review the HUD-1 Settlement Statement with everyone. If everything is correct, all parties will sign several copies and an original will be given to the seller, the buyer, the attorney and the agents.  There will be a few more documents you will need to sign along with the deed and then you are done!  You will not need to stay while the buyer signs their documents.

Please bring along any keys, remote controls and anything else the buyer will need for the home.  You may want to go over a few things with the new buyers before you leave such as alarm codes, important numbers or anything else that would be helpful.  This can be a very emotional time for many sellers and they want to be sure they have covered everything and know that their home is in good hands.

AFTER THE CLOSE:

After the buyers has signed all the loan documents, the attorney will fax or email the lender the final signed package for review.  They will then authorize the deed to be recorded and funds to be disbursed.  Normally, any funds you are expecting can be picked up the same day if the closing is done early enough.  In some cases, the recording of the deed can be delayed along with your funds The attorney will hold the keys until the deed has been recorded. Have patience and all things will get worked out in a timely manner.

That’s it!  You are done and on to your next home.

 

 

Other titles in the seller series:

Article #1: Seller Questions Answered – A preview to Listing your home for Sale
Article #2: What do I need to do to prepare my home for sale?
Article #3: Why do I need an Real Estate agent and how do I select one?
Article #4: I have signed the paperwork, now what? -What to expect during the listing period
Article #5: A buyer wants to see my home -How can I maximize showing opportunities?
Article #6: I have received an offer – now what?
Article #7: My home is under contract – What are the next steps?
Article #8: What can I do to prepare for my move?
Article #9: What can I expect at the closing table?
Article #10:  What happens after my home is SOLD?

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Sonya Leonard –Keller Williams Realty – Mooresville NC.  The Home Style Team provides free access to individualized home searches for all homes in Statesville, Mooresville, Troutman, Lake Norman and the entire Lake Norman Area.  Explore buyer and seller reports, community resources, new home communities, and be sure to sign up for instant alerts to help find your dream home.  Let Sonya help you INVEST in Real Estate and your Future! (704) 450-0588.