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20407 Harborgate Court , Unit 404, Cornelius, NC 28031

$675,000
  • 20407 Harborgate Court , Unit 404, Cornelius, NC 28031 Main Photo

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New to the Market Active
BEDS2 BATHS2 full SQUARE FEET1,279 MLS#4414906
STATUSActive PROPERTY TYPEResidential - Condominium SUBDIVISIONHarborgate

Property 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 su

20407 Harborgate Court , Unit 404 | MLS# 4414906

This condo located at 20407 Harborgate Court , Unit 404, Cornelius, NC 28031 is currently listed for sale with an asking price of $675,000. This property was built in 1985 and has 2 bedrooms and 2 full baths with 1279 sq. ft. Harborgate Court , Unit 404 is located in the Harborgate subdivision. Search Harborgate real estate on darlenet.lakenormanrealty.com today.

Property Features

Property Type: Residential - Condominium
Basement: Yes
Heating: Heat Pump
Roof Type: Architectural Shingle
Year Built: 1985

Amenities

Cable Prewire
Storage
Walk-In Closet(s)
Storage

Feature Descriptions

Appliances: Dishwasher, Disposal, Electric Range, Electric Water Heater
Body of Water: Lake Norman
Community Features: Cabana, Clubhouse, Outdoor Pool, Picnic Area, Recreation Area, Sidewalks, Street Lights, Walking Trails
Days on Site: 2
Exterior: Hardboard Siding
Fireplace: Living Room, Wood Burning
Flooring: Tile, Wood
Foundation: Basement, Permanent
HOA Fee: $362.21/ Monthly
Laundry: Electric Dryer Hookup, Main Level
Lot: Waterfront
Other Parking: Parking spaces 2
Parcel#: 001-441-28
Parking: Assigned, Parking Space(s)
Patio/Porch: Deck, Screened
Pets Allowed: Yes
Sewer: Public Sewer
Special View Info: Long Range, Water, Year Round
Utilities: Cable Available, Electricity Connected
Water: City
Water Features: Beach - Private, Beach - Public, Boat Slip ? Community, Boat Slip (Deed), Dock, Paddlesport Launch Site, Pier - Community

Local Schools

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

Listed By / Shown By

Listed By

Agency Name: Southern Homes of the Carolinas, Inc
Agency Contact: paulyanceyrealtor@gmail.com

Shown By

Agent Name: Darlene (Sharon) Teeter
Agent Phone: Cell: (704) 677-2402
Agency Title: Lake Norman Realty

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Estimated Payment

$ 3,789.51 per month $3,592.63 Principal & Interest $0.00 Property Tax (data not provided by mls) $196.88 Homeowner's Insurance

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 08/23/2026. The listing information on this page last changed on 08/23/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Sun 08/23/2026 6:35:00 PM EST) or Canopy MLS (last updated Sun 08/23/2026 6:27:50 PM EST) or Triad MLS (last updated Sun 08/23/2026 6:32:29 PM EST). Real estate listings held by brokerage firms other than Lake Norman Realty may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

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