# 3950 Granite Street, Terrell, NC 28682 > **TL;DR:** land, $539,900. > Waterfront. Est. $3,137/mo. Listed 138 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $539,900 | | Lot Size | 27,878 sqft (0.64 acres) | | Property Type | Land (Other) | | Status | Active | | Days on Market | 138 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,730 | | Estimated Insurance | $157 | | HOA | $250 | | **Total** | **$3,137** | ## Nearby Schools - **Elementary:** Sherrills Ford - **Middle:** Mills Creek - **High:** Bandys ## Key Amenities - Waterfront ## Property Highlights - 0.64 acre lot - Waterfront ## Description ### Agent Description Lake Norman waterfront wooded 0.645ac home site with a floating pier in the Somerset on Lake Norman community. 122' of water frontage. County Improvement Permit is already approved a 4 bedroom w/basement septic. Also the Well Permit is in hand. (Both don't expire until 2030). No time limit to build. Bring your own builder when you are ready. Plenty of room to modify pier/dock should you choose. Lake Norman water front properties are proven unbelievable investments. Low HOA dues of only $250/yr. Located on a peaceful cove yet close to big water. Easy distances to Hwy 16 and to I-77. Low Catawba County taxes only. Close to The Village Shoppes at Sherrills Ford. Come and listen to the quiet and enjoy the serene sunrises! ## Location - **Address:** 3950 Granite Street, Terrell, NC 28682 - **County:** Catawba - **Neighborhood:** Somerset On Lake Norman - **Coordinates:** 35.584001, -80.96723 - **Google Maps:** https://www.google.com/maps?q=35.584001,-80.96723 ## Listing Agent - **Name:** Susan Ayers - **Brokerage:** Clickit Realty - **Phone:** 8888754218 - **Broker Phone:** (888) 875-4218 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3950-Granite-St_Terrell_NC_28682_M56993-06757?f=listhub&s=CMLSNC&m=4372189&c=propsimple) ## Photos ![3950 Granite Street - Photo 1](http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f2350991679r.jpg) ![3950 Granite Street - Photo 2](http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f100343797r.jpg) ![3950 Granite Street - Photo 3](http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f3558036402r.jpg) ![3950 Granite Street - Photo 4](http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f3199221506r.jpg) ![3950 Granite Street - Photo 5](http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f2693276743r.jpg) ![3950 Granite Street - Photo 6](http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f2056699543r.jpg) ![3950 Granite Street - Photo 7](http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f3561996666r.jpg) ![3950 Granite Street - Photo 8](http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f1290537813r.jpg) --- **MLS#:** 4372189 | **Updated:** 2026-08-19 **Source:** listhub *Copyright © 2026 Canopy MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/3950-granite-street-terrell-nc-28682-4372189) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/3950-granite-street-terrell-nc-28682-4372189#listing", "url": "https://www.propertysimple.ai/listing/3950-granite-street-terrell-nc-28682-4372189", "name": "3950 Granite Street, Terrell, NC 28682", "description": "Lake Norman waterfront wooded 0.645ac home site with a floating pier in the Somerset on Lake Norman community. 122' of water frontage. County Improvement Permit is already approved a 4 bedroom w/basement septic. Also the Well Permit is in hand. (Both don't expire until 2030). No time limit to build. Bring your own builder when you are ready. Plenty of room to modify pier/dock should you choose. Lake Norman water front properties are proven unbelievable investments. Low HOA dues of only $250/yr. Located on a peaceful cove yet close to big water. Easy distances to Hwy 16 and to I-77. Low Catawba County taxes only. Close to The Village Shoppes at Sherrills Ford. Come and listen to the quiet and enjoy the serene sunrises!", "image": [ "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f2350991679r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f100343797r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f3558036402r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f3199221506r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f2693276743r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f2056699543r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f3561996666r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f1290537813r.jpg" ], "primaryImageOfPage": { "@type": "ImageObject", "url": "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f2350991679r.jpg", "caption": "3950 Granite Street - Terrell, NC" }, "datePosted": "2026-04-20T00:00:00+00:00", "dateModified": "2026-08-19T22:47:17.495314+00:00", "mainEntity": { "@type": "Place", "@id": "https://www.propertysimple.ai/listing/3950-granite-street-terrell-nc-28682-4372189#property", "name": "3950 Granite Street, Terrell, NC 28682", "address": { "@type": "PostalAddress", "streetAddress": "3950 Granite Street", "addressLocality": "Terrell", "addressRegion": "NC", "postalCode": "28682", "addressCountry": "US" }, "geo": { "@type": "GeoCoordinates", "latitude": 35.584001, "longitude": -80.96723 }, "image": [ "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f2350991679r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f100343797r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f3558036402r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f3199221506r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f2693276743r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f2056699543r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f3561996666r.jpg", "http://lh.rdcpix.com/2c977c53ce437656b2dd5d77da7082bcl-f1290537813r.jpg" ], "identifier": { "@type": "PropertyValue", "propertyID": "MLS", "value": "4372189" }, "amenityFeature": [ { "@type": "LocationFeatureSpecification", "name": "Waterfront", "value": true } ], "additionalProperty": [ { "@type": "PropertyValue", "name": "Lot Size", "value": "0.64 acres" }, { "@type": "PropertyValue", "name": "Property Subtype", "value": "Other" }, { "@type": "PropertyValue", "name": "Property Type", "value": "Land" } ] }, "offers": { "@type": "Offer", "@id": "https://www.propertysimple.ai/listing/3950-granite-street-terrell-nc-28682-4372189#offer", "url": "https://www.propertysimple.ai/listing/3950-granite-street-terrell-nc-28682-4372189", "price": 539900, "priceCurrency": "USD", "businessFunction": "http://purl.org/goodrelations/v1#Sell", "availability": "https://schema.org/InStock", "seller": { "@id": "https://www.propertysimple.ai/listing/3950-granite-street-terrell-nc-28682-4372189#agent" } }, "provider": { "@type": "Person", "@id": "https://www.propertysimple.ai/listing/3950-granite-street-terrell-nc-28682-4372189#agent", "name": "Susan Ayers", "telephone": "8888754218", "worksFor": { "@type": "Organization", "@id": "https://www.propertysimple.ai/listing/3950-granite-street-terrell-nc-28682-4372189#brokerage", "name": "Clickit Realty", "telephone": "(888) 875-4218" } } } ```