# 20407 Harborgate Court #404, Cornelius, NC 28031 > **TL;DR:** 2bd/2ba condo, $675,000 ($528/sqft), built 1985, 1,279 sqft. > Fireplace, Waterfront, View, A/C. Est. $3,972/mo. Listed 73 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $675,000 | | Price/sqft | $528 | | Bedrooms | 2 | | Bathrooms | 2 full | | Square Feet | 1,279 | | Year Built | 1985 | | Stories | 1 | | Property Type | Condo (Condominium) | | Status | Active | | Days on Market | 73 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Water ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $3,413 | | Estimated Insurance | $197 | | HOA | $362 | | **Total** | **$3,972** | ## Nearby Schools - **Elementary:** Cornelius - **Middle:** Bailey - **High:** William Amos Hough ## Key Amenities - Fireplace - Waterfront - View - A/C ## Property Highlights - Built in 1985 - Fireplace - Waterfront ## Description ### Agent 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. ## Location - **Address:** 20407 Harborgate Court #404, Cornelius, NC 28031 - **County:** Mecklenburg - **Neighborhood:** Harborgate - **Coordinates:** 35.49264, -80.89516 - **Google Maps:** https://www.google.com/maps?q=35.49264,-80.89516 ## Listing Agent - **Name:** Paul Yancey - **Brokerage:** Southern Homes of the Carolina's - **Broker Phone:** (704) 896-2000 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/20407-Harborgate-Ct-Unit-404_Cornelius_NC_28031_M50641-41602?f=listhub&s=CMLSNC&m=4414906&c=propsimple) ## Photos ![20407 Harborgate Court #404 - Photo 1](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1351668719r.jpg) ![20407 Harborgate Court #404 - Photo 2](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3752497170r.jpg) ![20407 Harborgate Court #404 - Photo 3](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f896728694r.jpg) ![20407 Harborgate Court #404 - Photo 4](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3891524088r.jpg) ![20407 Harborgate Court #404 - Photo 5](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2681628065r.jpg) ![20407 Harborgate Court #404 - Photo 6](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2760868370r.jpg) ![20407 Harborgate Court #404 - Photo 7](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2913990793r.jpg) ![20407 Harborgate Court #404 - Photo 8](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2630893058r.jpg) ![20407 Harborgate Court #404 - Photo 9](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3849951786r.jpg) ![20407 Harborgate Court #404 - Photo 10](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1189785890r.jpg) ![20407 Harborgate Court #404 - Photo 11](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3396556206r.jpg) ![20407 Harborgate Court #404 - Photo 12](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3734919943r.jpg) ![20407 Harborgate Court #404 - Photo 13](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1848299452r.jpg) ![20407 Harborgate Court #404 - Photo 14](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f243385911r.jpg) ![20407 Harborgate Court #404 - Photo 15](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1280040623r.jpg) ![20407 Harborgate Court #404 - Photo 16](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f4254960696r.jpg) ![20407 Harborgate Court #404 - Photo 17](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1941328967r.jpg) ![20407 Harborgate Court #404 - Photo 18](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1924368235r.jpg) ![20407 Harborgate Court #404 - Photo 19](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1019369300r.jpg) ![20407 Harborgate Court #404 - Photo 20](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3936192582r.jpg) ![20407 Harborgate Court #404 - Photo 21](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f4004500807r.jpg) ![20407 Harborgate Court #404 - Photo 22](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2718215385r.jpg) ![20407 Harborgate Court #404 - Photo 23](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2077505297r.jpg) ![20407 Harborgate Court #404 - Photo 24](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1892472004r.jpg) ![20407 Harborgate Court #404 - Photo 25](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1392012848r.jpg) ![20407 Harborgate Court #404 - Photo 26](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2014998528r.jpg) ![20407 Harborgate Court #404 - Photo 27](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3792558438r.jpg) ![20407 Harborgate Court #404 - Photo 28](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1773446867r.jpg) ![20407 Harborgate Court #404 - Photo 29](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3333867574r.jpg) ![20407 Harborgate Court #404 - Photo 30](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f18575357r.jpg) ![20407 Harborgate Court #404 - Photo 31](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3639976947r.jpg) ![20407 Harborgate Court #404 - Photo 32](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3946702093r.jpg) ![20407 Harborgate Court #404 - Photo 33](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2193590337r.jpg) ![20407 Harborgate Court #404 - Photo 34](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3020033727r.jpg) ![20407 Harborgate Court #404 - Photo 35](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2171529868r.jpg) ![20407 Harborgate Court #404 - Photo 36](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1277664796r.jpg) ![20407 Harborgate Court #404 - Photo 37](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f782858059r.jpg) ![20407 Harborgate Court #404 - Photo 38](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1431837883r.jpg) ![20407 Harborgate Court #404 - Photo 39](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f4283769059r.jpg) ![20407 Harborgate Court #404 - Photo 40](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1852848864r.jpg) ![20407 Harborgate Court #404 - Photo 41](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2997632423r.jpg) ![20407 Harborgate Court #404 - Photo 42](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3330761266r.jpg) ![20407 Harborgate Court #404 - Photo 43](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1063745370r.jpg) ![20407 Harborgate Court #404 - Photo 44](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f2397807780r.jpg) ![20407 Harborgate Court #404 - Photo 45](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f801124523r.jpg) ![20407 Harborgate Court #404 - Photo 46](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1089487926r.jpg) ![20407 Harborgate Court #404 - Photo 47](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f1025920466r.jpg) ![20407 Harborgate Court #404 - Photo 48](http://lh.rdcpix.com/42f46aaf9256261b2e58537ca024b458l-f3497003115r.jpg) --- **MLS#:** 4414906 | **Updated:** 2026-10-30 **Source:** listhub *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.* [View on PropertySimple](https://staging.propertysimple.ai/listing/20407-harborgate-court-cornelius-nc-28031-d24ac5f9fe7242fd9c589995610e9403) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/20407-harborgate-court-cornelius-nc-28031-d24ac5f9fe7242fd9c589995610e9403#listing", "url": "https://staging.propertysimple.ai/listing/20407-harborgate-court-cornelius-nc-28031-d24ac5f9fe7242fd9c589995610e9403", "name": "20407 Harborgate Court #404, 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. 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