About This Home

This 2-bedroom, 2-bathroom condo at 20407 Harborgate Court #404 in Cornelius, NC is listed for $675,000 ($528 per sqft). Built in 1985, the home offers 1,279 sqft of living space on a N/A lot.

Key Features

  • Built in 1985
  • Fireplace
  • Waterfront

Property Details

1 story
2 full
#404
1985

Amenities

FireplaceWaterfrontViewA/C
Listing 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 deed

ed 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.

Monthly Cost Estimate

$3,972/mo

20% down · 6.5% · 30 years

Principal$488
Interest$2,925
Insurance$197
HOA$362

Estimates only. Actual payments may vary.

Location

20407 Harborgate Court #404

Cornelius, NC 28031

Harborgate

Features & Amenities

Interior Features

Cable PrewireStorageWalk-In Closet(s)

Exterior Features

Storage

Property Details

Flooring

TileWood

Construction

Hardboard Siding

Views

Water

Outdoor Features

Deck

Parking

Assigned

Heating

Heat Pump (Heating)

Cooling

Central AirCeiling Fan(s)Heat Pump

Appliances

DishwasherDisposalElectric RangeElectric Water Heater

Questions & Answers

This 2-bedroom, 2-bathroom condo at 20407 Harborgate Court is listed at $675,000 ($528/sqft). The estimated monthly payment is $3,972 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $362/month.

Key features include: Built in 1985, Fireplace, Waterfront. Interior Features: Cable Prewire, Storage, Walk-In Closet(s). Exterior Features: Storage.

This property is listed by Paul Yancey.

PY

Paul Yancey

Agent at Southern Homes of the Carolina's

Listed by Southern Homes of the Carolina's · Broker phone: (704) 896-2000 · View on Broker Site · Broker website

MLS# 4414906· Source: Canopy MLS· 70 days on PropertySimple

Copyright © 2026 Canopy MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

20407 Harborgate Court #404, Cornelius, NC 28031

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