Market Insider

Randy and Ann Gray Payne

p: (704) 574-2212
e: [email protected]

We are Randy and Ann Gray Payne. We are unique in that we are both from the Lake Norman/Concord/Charlotte area. This has afforded us the opportunity of being very familiar with all the areas in and surrounding Lake Norman.

Our past experiences being in real estate, public education, and sales/sales management will reflect our negotiating skills to achieve the best possible price and navigational skills through the many steps needed throughout the real estate process of buying or selling. We pride ourselves in providing superior customer service to every client through our being detail-oriented, excellent communicators 24/7, and we are committed to research the market availability and property values to afford you maximum profitability.

On a personal note, we love spending time with our four children and nine grandchildren who all live in the area. We feel living at our Lake Norman setting is a lifestyle that yields the feeling of being on vacation every day.

We are licensed in NC and SC. We would love to work with you and for you, so call or email us. We look forward to assisting you in making your real estate needs a stress free reality.

My Reviews

We would personally like to thank Ann and Randy Payne for the great experience we had in relocating.  We have relocated many times through the last 35 years and this has been the easiest and best experience!  From the time we let the Payne's know what we wanted to do and that we were downsizing, the payment range we wanted to stay in, and the area we wanted to live within, if possible, that is all they needed and they more than met our expectations!!  We would certainly recommend them to anyone, especially moving to another city or state, like we did.  Within a few days of us talking to them the first time, we met with them and they had a list of available properties.  After just a few days of looking and shopping around, we ended up  making an offer on the first place that was shown to us!  They were by our side with each step, and went above and beyond to make sure everything worked out as planned and in a timely manor!!   We want to thank them very much for their prompt and courteous service to us and our family!!

Jim & Sharon

We recently moved to Cornelius from San Francisco when my husband took a job in the area. Not knowing the Charlotte area and being boat people, we decided to start with a waterfront condo or townhouse on Lake Norman. We were soon told we needed to talk to Ann and Randy Payne, a realtor couple specializing in waterfront condos around the area. I knew I was in good hands when Ann immediately steered me away from a couple listings I showed her from Zillow citing poorly run HOAs and also identified specific buildings she knew to be problematic.  After dealing with realtors in the Bay Area who are content to sell their customers pretty much anything, this approach was very refreshing to us. 

Suffice to say, Ann and Randy spent all day showing us every single waterfront available in our price range (some of these units we went back to twice in one day) and we made an offer on a large townhouse that same day! Randy negotiated the seller down $15,000 off the listing price and the deal was accepted. If you're looking in the Lake Norman area and looking for a trustworthy partner, you need to talk to these two! 

Katie & Mike M.

We live in Virginia and just bought a house on Lake Norman that Ann and Randy showed us. It was under construction when we bought it and they were instrumental in helping us prepare our offer and work with the builder. They stayed on top of things (bank, appraiser, etc. ) throughout the settlement process They are very professional, friendly and knowledgable I would highly recommend them to anyone looking for a home in the Charlotte/Lake Norman area. We refer Ann and Randy as our friends now not just our real estate agents. We hit the jackpot when we found them!

Kathleen K.

Ann and Randy are phenomenal realtors and they made our buying process effortless. We were new to Charlotte having just moved from Chicago, and did not have much information regarding living on Lake Norman. In addition, we were first time home buyers so did not know what to expect. Needless to say, Ann and Randy put us at ease with their wealth of knowledge and experience. Their attention to detail, superb communication skills, and patience with us throughout the entire process was invaluable. If you are looking to buy a home and want a smooth, stress-free experience, Ann and Randy are the only team you should be considering! 

 Rachel and Scott

Ann and Randy are wonderful people and realtors. They listen to the things you have dreamed about in a home and they find just what you are looking for. They were patient with us, understanding when there was something we did not like, and friendly through the whole process!! Hopefully we will not need to look for a new house for many years, but if we do, we would surely do it with Ann and Randy by our sides!" 

Thanks for all you both have done for us! 

Savannah M.

My wife and I sold our first home and purchased land for new construction with the help of Ann and Randy and they took the stress out of the entire process. For selling our home, their years of experience and knowledge of the market in the area, along with their attention to detail proved to be the right combination to sell our home in 10 hours! Ann and Randy kept us informed throughout the entire process with flawless communication and kept our best interests in mind the entire time. We would highly recommend this expert team to anyone looking to buy or sell real estate! Thanks for the wonderful service!

Derek Paschal

When I decided to purchase a home in the Lake Norman area I made a cold called to Lake Realty. I was nervous as to who I was going to get on the phone but decided to call and see what happens. Much to my surprise, an agent by the name of Ann Payne answered and from the very start I felt confident and comfortable with her. A long story short….about 7 months later, numerous calls, emails, showings (even in the dark) I purchased a home I that I am really excited about.

What I can tell you is that Ann and Randy always went above and beyond what was expected. I could always reach them either on the phone, by text and/or email. They even came in from vacation to take my daughter house shopping when I couldn’t be there. Of course I needed to contact them on a major holiday, not an issue as they were working. I kid you not. Even after the sale, they offered to go to my home to adjust the heat, check on window repairs, let contractors in etc…. I also want to point out I am not a high end client …actually more of a low end client LOL. They never treated me any different …they knew my budget and we stayed within it. I am so glad I met them and because of them my buying experience was very enjoyable.

D. Bennett

Ann & Randy,

Paula and I want to “Thank you” both so much for working with us in finding our dream retirement home.  Even though we couldn’t leave the closing and go enjoy the condo right off the bat like many new homeowners do, we look forward to making our plans come true in the not so distant future.  Hopefully, we will be ready to start utilizing it as a 2nd home in about 5 years and our permeant home shortly thereafter. Both of you were very patient in putting up with our 1000 questions and showing us around the Lake Norman area.  Rest assured you have allowed another couple’s dream to come to pass.  Also, we very much appreciate the terrific gifts.  What a nice personal touch you added to our process and experience

Thanks again so much and we hope you and your family have a very Merry Christmas and great & safe New Year!


Bryan & Paula

We had a tremendous experience working with Ann and Randy Payne and would highly recommend them to anyone. We were looking for a second home on Lake Norman, just north of Chartlotte, but live in NJ – 9 hours drive away so knowing a great agent was essential! Their website was easy to use and we were able to find the homes we wanted to see, and worked with them to set up viewings. We flew down and spent a marathon day looking at 22 homes and 7 repeats on the following day, signing a contract before we flew back.

The house we liked was being sold without the benefit of a seller's agent and that meant that they had to be extra diligent and do double work. They made us feel like we were their only clients because of their level of responsiveness, attention to detail and thoroughness in answering questions. They really know the area well, and shared a wealth of knowledge. We are so happy that we found them and know that without them the process of buying would have been a lot more difficult.

We would certianly recommend them to others.

John & Jackie

We were fortunate to have raised a family in the Lake Norman area. When my husband's work took us out of state, we always knew that we wanted to relocate back when we could do so. I looked for homes on the internet for a long time and found Lake Realty's website and Ann and Randy Payne, two of their realtors.

This past summer, we vacationed on Lake Norman and when we were there, Ann and Randy took us to see some of the homes that were for sale where we wanted to live. We found a home right away and Ann and Randy made the home buying process so stress-free and easy. They had contacts that we used during the whole process from financing through inspection and we were very pleased with their professionalism and willingness to go the extra mile for us. We absolutely recommend Ann and Randy Payne at Lake Realty for your home buying and selling needs, we were so glad that we found them and can't wait to be in our new home on the lake!

Donna Rowland

I worked with Ann Gray Payne and Randy for about 2 yrs to find the perfect property. They stuck by my side with great patience! Once that house became available, they did everything to help me through the process to make it easier, and less stressful... I would recommend the 2 of them as a great team to help anyone find that perfect house, and help create a home. Thanks Ann and Randy!

Daryl Stevenson

Ann & Randy Gray Payne are amazing! Ann and Randy have an extensive knowledge of the area, are super accommodating, extremely patient and have completely exceeded our expectations - which isn't easy considering the fact that I was a licensed Real Estate Broker. We wouldn't consider working with anyone else. Kevin & Cherie

Ann and Randy Payne are two of the most professional business people I have ever had the pleasure of dealing with. I had been researching the Lake Norman area on my own and believed I had a handle on how I should conduct my search until I had the good fortune of being contacted by Ann. Upon Ann's urging I took a boat tour of the lake with Randy and found I was going about my serach completely wrong for my purposes. Ann and Randy spent the time with me to help me design a more through process in my search. Ann and Randy, through their actions, have made it clear to me that they're there for me long term. I have been so pleased with their knowledge in areas such as lake construction, lake permitting, local government regulations and market skills that I have informed friends and acquaintences here in Virginia of the services that Ann and Randy can provide them. I do not give recommendations lightly, they reflect on my expections in life. Ann and Randy have my highest recommendation if you're seeking only the best in their field. Don Jones, Pulaski County, Virginia.

We have been working with Ann Gray Payne at Lake Realty for nearly a year to find a lake property for our future retirement. She has been very patient and given us great service with timely updates for new listings and recommendations even though we live out of state. When we do make our decision, Ann will be the one we turn to for closing the deal. Jay and Carol.

Ann Gray and Randy are the greatest agents I have ever worked with. I will certainly work with them again. Lake Realty is blessed to have them!!


Lake Realty

p: (704) 806-2410

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