20407 Harborgate Court 404, Cornelius, NC 28031

• 2 beds |
• 2 baths |
• 1,469 sqft

Property Description

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 very select homes within Harborgate that enjoys this remarkable long-range perspective, offering sweeping panoramic water views from the main living areas and private balcony. The ever-changing lake scenery—from peaceful morning reflections to vibrant sunset skies—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, offering convenient and immediate access to Lake Norman. Boat slips in this area are highly desirable and can represent significant value—often around $50,000—making this an exceptional opportunity for buyers seeking both a stunning view and true lake access. Inside, this two-bedroom, two-full-bath residence features gleaming hardwood floors throughout and fresh interior paint, creating a bright and welcoming interior. The open living and dining areas are designed to embrace the lakefront setting, drawing your eye directly toward the water, while the lakeside balcony provides the perfect place to relax, entertain, or simply enjoy the expansive views. The kitchen cabinetry is currently being professionally refinished and will be completed early next week, further enhancing the home’s updated appeal. Professional photography will also be completed early next week, so stay tuned for the full visual presentation of this remarkable lakefront residence. Harborgate is one of Lake Norman’s most charming waterfront communities, offering a relaxed, resort-style environment with amenities that include a lakeside pool, private beach area, community docks, kayak and paddleboard launch, and clubhouse. The peaceful waterfront setting feels like a retreat while remaining conveniently located just minutes from Exit 28, Birkdale Village, dining, shopping, and easy access to I-77. Waterfront residences within Harborgate offering this caliber of long-range lake views combined with a deeded boat slip are extremely limited, making Residence #404 a rare opportunity to experience the very best of Lake Norman living. Seller financing only — a unique opportunity to own Lake Norman waterfront with lower monthly cost and reduced upfront cash. With 15% down, estimated interest-only payments are around $2,900/month, compared to roughly $3,500/month with conventional financing. Buyers also benefit from fewer lender-related closing costs, making this a compelling alternative to traditional loans. Offered exclusively with seller financing due to the seller’s 1031 exchange. Prepayment terms apply. No income or credit score requirements! oh and...Don't forget to see the Storage Locker room on lower level.

Listing Status:

Active

Data Last Updated:

March 25, 2026 at 6:16AM

Listing Office:

Southern Homes of the Carolinas, Inc : 704-896-2000

MLS ID:

4357253

Interior

• General: Cable PrewireStorageWalk-In Closet(s)
• Appliances: DishwasherDisposalElectric RangeElectric Water Heater
• Laundry: Electric Dryer HookupMain Level
• Flooring: TileWood
• A/C: Ceiling Fan(s)Central AirHeat Pump
• Heating: Heat Pump
• Fireplace: GasGas LogLiving RoomFireplace

Exterior

• General: Storage
• Other Structures: DeckScreened
• Parking: AssignedParking Space(s)Parking spaces: 1

Construction

• Roofing: Architectural Shingle
• General: Site BuiltBasementPermanent

Location

• Road/Access: AsphaltPaved
• HOA Amenities: 362.21Monthly
• Originating MLS: carolina
• County: Mecklenburg

Lot

• Zoning: GR001-441-28
• View: Long RangeWaterYear Round

Utilities

• Utilities: Cable AvailableElectricity Connected
• Water: City
• Sewer: Public Sewer

Financial

• Source: carolina