01
Owning the lot does not mean you can change the shoreline
Duke Energy manages shoreline activities across the Catawba-Wateree lake system. Docks, shoreline walls, digging, and other work may need Duke’s written approval. Ask the seller for every approval, drawing, transfer record, and letter connected with the dock or shoreline.
02
The city or county may have more rules for the lot
Local rules still apply to the land above Duke Energy’s project boundary. In Cornelius, for example, the required natural area between a home and the lake can differ by neighborhood or lot. Ask local staff about where you can build, how much of the lot can be covered, water-quality rules, septic or sewer service, and flood requirements.
- Compare the property survey and recorded lot map with what is actually built.
- Make sure the dock and shoreline records match the structures that are there now.
- Check FEMA flood information and ask about prior water intrusion and insurance claims.
- Read the deed and HOA rules for private restrictions in addition to government rules.
03
A neighboring dock is not an approval
Duke reviews shoreline conditions and each proposed project. The answer can differ from one cove or lot to the next. If changing the dock or shoreline matters to you, ask Duke about the exact plan and get a written answer before you buy.
04
The county keeps the septic and well records
Lake Norman touches Catawba, Iredell, Lincoln, and Mecklenburg counties. Each county keeps its own septic and private-well records. Make sure the permit matches the address, home, number of bedrooms, and any additions. An old permit does not tell you the current condition, so use the right inspection or water test too.