20407 Harborgate Court #404, Cornelius, North Carolina image 1
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20407 Harborgate Court #404

Cornelius, NC 28031
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$675,000 $2,845/Mo
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Bed 2

Bed

Bath 2

Bath

SqFt1,279

Sqft

A RARE LAKE NORMAN OPPORTUNITY — CASH OR CONVENTIONAL FINANCING WELCOME, PLUS EXCEPTIONALLY FLEXIBLE SELLER FINANCING AVAILABLE WITH AS LITTLE AS 10% DOWN, A COMPETITIVE INTEREST RATE, AND PAYMENT OPTIONS DESIGNED AROUND THE BUYER'S NEEDS. Big-water views are among the most coveted perspectives on Lake Norman—and Residence #404 delivers one of the most breathtaking. Positioned in one of the few locations within the highly desirable Harborgate community where unobstructed sightlines stretch across the lake, this exceptional waterfront condominium captures approximately three miles of open-water views, creating a truly rare and dramatic backdrop for everyday living. Residence #404 is one of the select homes within Harborgate that enjoys this remarkable long-range perspective, offering sweeping panoramic water views from the main living areas and private balcony. From peaceful morning reflections to vibrant sunset skies, the ever-changing lake scenery becomes part of the experience of living here. Equally important for lake lovers, the property includes a deeded boat slip located just a short walk from the building, providing convenient access to Lake Norman. The interior has recently undergone significant updates designed to create a fresh, sophisticated, move-in-ready feel. The beautifully updated kitchen is complemented by gleaming hardwood floors, while the primary bathroom has been extensively remodeled with crisp, contemporary finishes and a striking new glass shower enclosure. The guest bathroom has also been refreshed with an upgraded vanity countertop and additional improvements. Together, these enhancements give the home a bright, polished appearance while maintaining the warmth and character of waterfront living. The open living and dining areas flow naturally toward the water, with expansive views creating an impressive focal point throughout the main living space. A wood-burning fireplace adds warmth and character, while the private balcony provides the perfect setting for morning coffee, evening cocktails, or simply watching life unfold across Lake Norman. The two-bedroom, two-full-bath floor plan offers comfortable single-level living with the rare combination of exceptional views, true lake access, a deeded boat slip, updated interiors, and a premier Cornelius location convenient to dining, shopping, entertainment, and everything the Lake Norman lifestyle has to offer. AND HERE IS THE OPPORTUNITY THAT TRULY SETS THIS PROPERTY APART: SELLER FINANCING IS AVAILABLE AS AN OPTIONAL ALTERNATIVE TO CASH OR CONVENTIONAL FINANCING. Qualified buyers may have access to a lower down payment, competitive interest rate, a 30-year amortization, and a customized payment structure ranging from interest-only to fully amortized. Seller financing also eliminates traditional lender points and loan origination fees and may eliminate the need for a lender-required appraisal—potentially saving thousands in upfront financing costs. Terms are negotiable and subject to seller approval. Few Lake Norman properties combine this caliber of view, direct boating access, recent updates, and financing flexibility in one offering. Residence #404 is ready for its next chapter.

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Detail Ic Property Details

Property Type : Residential

Price : $675,000

AD Id : 89822917

MLS Id : CAR4414906

Beds : 2

Living Area Size : 1,279

Year Built : 1985

County : Mecklenburg

Subdivision: Harborgate

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Feature Features

  • Bedroom Information

    Total Bedroom: 2

    Bathroom Information

    Total Baths: 2 Full Baths: 2

    Interior Features

    Cable Prewire, Storage, Walk-In Closet(s) Roof: Architectural Shingle Appliances: Dishwasher, Disposal, Electric Range, Electric Water Heater Laundry Features: Electric Dryer Hookup, Main Level

    Roofing Information

    Architectural Shingle

  • Flooring Information

    Flooring: Tile, Wood Construction Materials: Hardboard Siding

  • Heating & Cooling

    Heating: Heat Pump Cooling: Ceiling Fan(s), Central Air, Heat Pump WaterSource: City

  • Building Information

    Year Built: 1985

  • Exterior Features

    Storage Construction Materials: Hardboard Siding Foundation Details: Basement, Permanent Road Responsibility: Publicly Maintained Road

  • Lot Information

    Lot Description: Waterfront

    Property Information

    Property Type: Residential Sub Type: Condominium

  • Listing Price Information

    Original List Price:$675000

  • Tax Information

    Tax Assessed Value: 511320 Parcel Number: 001-441-28

  • Parking Information

    Open Parking: Parking spaces 2 Assigned, Parking Space(s)

    Homeowners Association Information

    HOA: $362.21 Monthly

  • School Information

    Elementary School: Cornelius Junior High School: Bailey Senior High School: William Amos Hough

  • Utility Information

    Cable Available, Electricity Connected Sewer: Public Sewer Water Source: City

  • Location Information

    Subdivision: Harborgate City: Cornelius
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Nearby Home Value

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21231 Hickory Street, Cornelius, NC, 28031 $250,000 2 2 1,167 1,167 SqFt
21252 Hickory Street, Cornelius, NC, 28031 $320,000 3 2 1,388 1,388 SqFt
21622 Aftonshire Drive, Cornelius, NC, 28031 $289,900 2 2 1,181 1,181 SqFt
21230 Hickory Street, Cornelius, NC, 28031 $238,000 2 2 1,180 1,180 SqFt
21510 Aftonshire Drive, Cornelius, NC, 28031 $199,000 1 1 664 664 SqFt
19715 Feriba Place, Cornelius, NC, 28031 $285,000 3 2 1,416 1,416 SqFt
9113 Mcdowell Creek Cou.., Cornelius, NC, 28031 $260,000 2 2 1,136 1,136 SqFt
16742 Amberside Road, Cornelius, NC, 28031 $245,000 2 2 1,157 1,157 SqFt
16917 Doe Valley Court, Cornelius, NC, 28031 $292,500 2 2 1,484 1,484 SqFt
19747 Deer Valley Drive, Cornelius, NC, 28031 $282,000 2 2 1,142 1,142 SqFt

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Based on information submitted to the MLS GRID as of 08/26/2026 @ 18:20. All data is obtained from various sources and may not have been verified by the broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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ByOwner last updated this listing 08/26/2026 @ 18:20

MLS: CAROLINA #4414906 LISTED BY: Paul Yancey, Southern Homes of the Carolinas, Inc 704-896-2000 SOURCE: CAROLINA (Canopy MLS) (Listings courtesy of CAROLINA (Canopy MLS) as distributed by MLS GRID)

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