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20407 Harborgate Court Cornelius, NC 28031

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Bed: 2
Bath: 2
1/2 Bath: 0
Sq. Ft.: 1,279

$675,000

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Community: Cornelius in Mecklenburg County

2 bed
2 bath
0 1/2 bath
1,279 Sq. Ft.

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.

Presented by:
Paul Yancey at Southern Homes of the Carolinas, Inc
Listed by:
Southern Homes of the Carolinas, Inc

Attribution: [email protected]
Original Listing Price: 675,000
MLS #: ‍4414906
Listing Status: Active
Days on Market: 53
Buying Firm Commission: Test

Based on information submitted to the MLS GRID as of 2026-10-13 at 4:00PM. All data is obtained from various sources and may not have been verified by 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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Property Features

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Water: City
Year Built: 1985
Association Fee: 362.21
Exterior Features: Storage
Floors: Tile,Wood
Heating/Cooling: Heat Pump
Subdivision: Harborgate
Lot Description: Waterfront
Sewer: Public Sewer
Basement/Foundation: Basement,Permanent
Roof: Architectural Shingle
Garage/Carport: Assigned,Parking Space(s)
Cooling: Ceiling Fan(s),Central Air,Heat Pump
Interior Features: Cable Prewire,Storage,Walk-In Closet(s)
Community Features: Cabana,Clubhouse,Outdoor Pool,Picnic Area,Recreation Area,Sidewalks,Street Lights,Walking Trails

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Schools

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  • High School: William Amos Hough
  • Middle School: Bailey
  • Elementary School: Cornelius
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