In-Person: 09/05 11:00 AM - 1:00 PM
20407 Harborgate Court 404,Cornelius, NC 28031
Cornelius, NC 28031
Description
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.
Details
| MLS # | 4414906 |
|---|---|
| Listing Type | For Sale |
| Style | Condominium |
| HOA Dues | $362 |
| Sub-Type | Resale |
| Status | Active |
| Year | 1985 |
| Days On Site | 13 |
| Listing Provided By | Southern Homes of the Carolinas, Inc | Paul Yancey |
Features
| Bed(s) | 2 |
|---|---|
| Bath(s) | 2 Total |
| SQ Feet | 1,279 |
| Story(s) | 1 |
| Water Front | Yes |
| Property View | Long Range, Water, Year Round |
Interior
| Cooling | Ceiling Fan(s), Central Air, Heat Pump |
|---|---|
| Heating | Heat Pump |
| Interior Features | Cable Prewire, Storage, Walk-In Closet(s) |
| Appliances | Dishwasher, Disposal, Electric Range, Electric Water Heater |
Exterior
| Exterior Features | Storage |
|---|---|
| Roof | Architectural Shingle |
| Construction Materials | Hardboard Siding |
| Foundation Details | Basement, Permanent |
| Lot Features | Waterfront |
Parking
| Garage Yes / No | No |
|---|---|
| Parking Features | Assigned, Parking Space(s) |
Utilities
| Utilities | Cable Available, Electricity Connected |
|---|
Location
| Community Features | Cabana, Clubhouse, Outdoor Pool, Picnic Area, Recreation Area, Sidewalks, Street Lights, Walking Trails |
|---|
Other
| List Aor | Canopy Realtor Association |
|---|
Taxes
| Property | 511320 |
|---|
Area Information
| State | NC |
|---|---|
| County | Mecklenburg |
| City | Cornelius |
| Zip Code | 28031 |
| Area | Mecklenburg |
| Community Name | Harborgate |
| School District | William Amos Hough |
| Elementary School | Cornelius |
| High School | William Amos Hough |
| Listing VS Median (in Harborgate) | |
Price: $675,000 low | high Med: $799,000 sqft: 1,279 low | high Med: 1,738 $ / sqft: $528 low | high Med: $460 On site: 13 low | high Med: 108 | |
Market Activity 28031
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Listings courtesy of Canopy MLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID as of September 3, 2026 at 2:57:32 PM PDT 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.
The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com.
“The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.
Contact
Learn More About This Property
| Open House |
|---|
| In-Person 09/05 11:00 AM - 1:00 PM |
| State | NC |
|---|---|
| County | Mecklenburg |
| City | Cornelius |
| Zip Code | 28031 |
| Area | Mecklenburg |
| Community Name | Harborgate |
| School District | William Amos Hough |
| Elementary School | Cornelius |
| High School | William Amos Hough |
| Listing VS Median (in Harborgate) | |
Price: $675,000 low | high Med: $799,000 sqft: 1,279 low | high Med: 1,738 $ / sqft: $528 low | high Med: $460 On site: 13 low | high Med: 108 | |
Listings courtesy of Canopy MLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID as of 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.
The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com.
“The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.
