What Club And HOA Living Looks Like At The Point
June 11, 2026
June 11, 2026
If you are considering a home at The Point, it helps to know that this is not just a neighborhood with pretty lake views. It is a structured community with an active property owners association, a private club relationship, and a lifestyle shaped by piers, trails, events, and architectural standards. When you understand how those pieces fit together, you can make a more confident buying decision. Let’s dive in.
At The Point, club living and HOA living work side by side, but they are not the same thing. The POA handles the community governance side, including covenants, assessments, common spaces, and architectural review for existing homes. Trump National Golf Club Charlotte provides the private club amenities.
The POA describes the community as having three parts: the declarant and new-home-building side, the POA board, and the club. That matters because it helps explain why some decisions relate to your home and lot, while others relate to membership and amenity access. If you are buying here, it is worth understanding both from the start.
The Point is a large Lake Norman peninsula community with 18 miles of shoreline. The 2026 annual materials reference 867 lots with 12 remaining undeveloped, which shows this is a mature but still actively managed community. For buyers, that usually means more established systems, but also more documents and rules to review during due diligence.
The POA is responsible for many of the day-to-day community functions that shape ownership. That includes CCR enforcement, assessments, common-area oversight, and architectural review for exterior changes. The board is volunteer-run and supported by a management company.
The community also appears to be document-heavy in a good way. The POA posts Articles, Bylaws, CCRs and amendments, Rules and Regulations, signage policy, architectural forms, annual meeting materials, and community-pier information. For you as a buyer, that means resale due diligence should include a careful review of the full document package, not just a quick look at monthly or annual dues.
One practical note is that the official site references both Premier Management and Hawthorne Management in different places. Rather than assuming one is current, buyers should verify the active management contact through the resale packet. That is especially important if you need approval information, billing details, or current compliance procedures.
HOA living at The Point is more than dues and rules. It also includes real services and oversight that support how the neighborhood functions. The official materials list utility and service relationships such as Duke Energy, Utilities, Inc. water, TCW Wastewater Management septic, and Lake Norman Sanitation.
The shared water system is a notable feature. According to the community information, it serves The Point, The Harbour, and The Farms through 34 wells and 42 miles of mains drawing from an underground aquifer rather than the lake. That is the kind of infrastructure detail many relocation buyers want to understand before they close.
You also see the HOA’s role in smaller touches. For example, pet-waste stations are serviced twice each month by DoodyCalls. It is a small detail, but it gives you a real-world sense of how the association manages everyday community upkeep.
Club living centers on Trump National Golf Club Charlotte, which is the amenity provider for The Point. The club markets a private lakefront experience that includes golf, racquet sports, fitness and pool facilities, dining, a bakery, a spa, and youth programming. Membership types listed by the club include Full Golf, Corporate, Sports, Health & Fitness, and Social.
Full Golf membership offers the broadest access. That includes the 18-hole Greg Norman course, practice areas, clubhouse amenities, fitness center, lighted tennis courts, pickleball, pool, kids programs, tournament play, weekly golf games, and social events. If golf is central to your lifestyle, this is the category that appears to provide the most complete experience.
Sports and Health & Fitness memberships do not include golf, but they still include clubhouse and dining access, fitness, tennis, pool use, youth programming, and social events. Social membership is more focused on dining venues, the bakery and general store, kids programming, and the community social calendar. That gives buyers a few ways to match membership to how they actually plan to use the club.
Based on The Point’s Lake Living page, all owners are required to be at least social members of the club. That is one of the most important details to clarify early in the buying process because it affects your ongoing cost of ownership. It also shapes the lifestyle expectations that come with living in the community.
The 2026 annual meeting presentation includes category figures and availability notes for membership, but those details came from an annual presentation rather than a direct membership schedule. Because club categories, counts, and pricing can change, you should confirm the current membership requirement, initiation structure, and monthly dues directly with the club before closing. That is especially important if you are comparing homes with different carrying costs.
At The Point, lake living is tied closely to piers, slips, and docks. The official POA materials focus on community piers and boat slips rather than promoting a separate marina-style amenity. The safest way to think about it is that access is structured around resident boat-slip, pier, and private-dock arrangements.
The 2026 annual materials state that the POA owns 23 piers and 498 boat slips, with an estimated replacement cost of about $7 million. In 2025, the community completed electrical and structural compliance inspections, validated slip details, and moved into 2026 priorities such as master insurance, regular inspections, and vessel-lift pre-approval. That tells you the pier system is a significant shared asset with ongoing oversight.
If boating matters to you, do not assume every home comes with the same setup. You will want to confirm whether the property includes a boat slip, private dock rights, pier-related responsibilities, or any related lease costs or assessments. Those details can materially affect both value and monthly or annual ownership costs.
The Point’s lifestyle is not limited to the club. The neighborhood itself has a strong community layer, with trails, shared gathering areas, and recurring resident groups. That combination can make daily life feel more connected, even outside formal club use.
The POA says there are six community trails, including an approximately one-mile Main Village trail, plus smaller walks in Kittansett and Sconset. The Main Village trail is also used for Halloween trick-or-treating, which gives you a practical example of how neighborhood spaces become part of community routines.
Common areas are managed assets, not casual drop-in spaces. The POA has a formal reservation process for places such as the Village Green and Mansfield Loop, including date verification, an application, and proof of insurance. If you are planning gatherings or events after you move in, that process is helpful to know ahead of time.
The social side is active as well. Community groups currently listed include Coffee and Connections, Mah Jongg, Table for Eight, Wine-ing Women, Golden Boys, Golden Girls, Bridge, Bible studies, Lake Ladies Lunch Bunch, Book Club, Men’s Poker Night, and Chix with Pics. Residents also receive regular email updates and The Stroll magazine, and new residents are welcomed through Village Ambassadors and a welcome event co-hosted with the club.
The Point has an active architectural review process, which is important for both buyers and current owners. Prior written approval is required for many exterior changes, including paint color changes, fences, basketball goals, tree removal, planting beds, and other significant landscape changes. If you are buying a home with plans to update the exterior, this should be part of your early planning.
The community notes that tree-removal requests are now part of the standard application form for projects. Major projects carry a $150 fee, and certain projects require a $1,000 escrow deposit. The management company also conducts weekly compliance drives, which suggests the standards are actively enforced rather than rarely used.
The annual materials say the ACC handled more than 240 projects and over 70 consults in 2025. The published guidance also notes that roofed structures must be attached to the house, street trees are required on lots, and shoreline sand is prohibited. Fence and wall materials are also limited, with certain masonry, wrought iron, and black or bronze aluminum allowed, while chain link, split rail, and some prefab materials are prohibited.
The 2026 budget presentation shows a general assessment of $2,075 per lot, which was a $60 increase from 2025. The presentation describes that increase as roughly 3%, including reserve funding. That gives buyers a useful baseline, but it should not be treated as the only recurring cost.
The same materials also show pass-through assessments tied to septic, pier assessments, property tax, and boat-slip lease costs, along with specified reserve assessments for private drives. In other words, two owners in the same community may not have identical total carrying costs. The details depend on the property and the assets connected to it.
The annual presentation also notes that the community was planning a declaration-change campaign in early 2026 and referenced a possible amendment involving five abandoned well lots. For buyers, the takeaway is simple: this is a community that is still actively managing infrastructure and covenant issues. It is not a set-it-and-forget-it HOA environment.
Because The Point blends private club living with a structured POA, your due diligence should be thorough. A clear review on the front end can help you avoid surprises after closing. This is especially important for relocation buyers who may be comparing The Point with other Lake Norman communities.
Here are a few questions worth asking:
For many buyers, the appeal of The Point is the combination of lake access, club amenities, and a well-established neighborhood setting. The key is making sure the specific home you choose matches the lifestyle and cost structure you expect. When you review the documents carefully, the picture usually becomes much clearer.
If you are weighing a move to The Point or comparing it with other Lake Norman communities, working with a local agent who understands the fine print can make the process much smoother. Katie Doig offers calm, informed guidance for buyers who want a clear read on neighborhood structure, lifestyle fit, and the details that matter before they buy.
REALTOR®
Relocating from Florida and residing in the Lake Norman area for over fifteen years, Katie has a grasp on the needs of luxury clientele. She knows the unique selling points and has the ability to market luxury homes using her broad reach.
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