Some Lake Norman properties offer waterfront. Others offer acreage. Few offer both with the ability to begin enjoying the property immediately while creating a custom waterfront estate. Encompassing approximately 12.77 private acres across two adjoining parcels, this exceptional offering presents a rare opportunity to own an extraordinarily private Lake Norman property where much of the groundwork has already been completed and the next chapter is yours to create. Tucked behind a gated entrance at the end of Whispering Winds Drive, the property unfolds across gently rolling, predominantly wooded acreage with established trails, a year-round creek, abundant wildlife, and approximately 213 feet of riprapped Lake Norman shoreline that transitions into a continuously flowing creek forming part of the property’s boundary, with long water views and immediate access to the main channel. An adjoining subdivision common area provides an additional natural buffer, enhancing the property’s privacy and preserving the surrounding setting. A thoughtfully cleared waterfront homesite has already been established, providing an ideal setting for a future custom primary waterfront residence while preserving the property’s remarkable privacy and natural beauty. Unlike purchasing raw waterfront land, this property can be enjoyed from the day you close. Completed in 2023, the newly constructed accessory residence offers approximately 700 square feet of heated living space featuring one bedroom, one full bath, and an open-concept kitchen, dining, and living area. Served by its own private well and septic system, the residence provides comfortable accommodations while plans for a custom waterfront home move forward. Complementing the residence is an approximately 1, 800-square-foot insulated garage and workshop designed for collectors, hobbyists, and outdoor enthusiasts alike. Finished with approximately 14-foot ceilings, two 12-foot overhead doors, polyurea epoxy flooring, Galvalume interior wall and ceiling finishes, custom cabinetry, utility sink, ice maker, propane ceiling heater, air compressor plumbing, overhead storage, and generous workspace, the building offers exceptional versatility. Additional improvements include covered lean-to storage, a storage building, concrete wash pad, and a 500-gallon propane tank. The adjoining waterfront parcel further enhances the property’s value with an active, transferable four-bedroom septic improvement permit already in place for the future primary residence. A private dock and boat lift (currently without electrical service) provide immediate access to Lake Norman while plans for the estate come to life. With no HOA, no CCRs, exceptional privacy, existing infrastructure, and a rare combination of acreage, waterfront, and immediate usability, this property offers opportunities seldom found on Lake Norman. Whether enjoyed as a private retreat today or transformed into a custom waterfront estate over time, it provides the flexibility to create something truly lasting. Properties combining this level of privacy, acreage, waterfront, and future potential are increasingly difficult to replicate on Lake Norman.