20407 Harborgate Court, Cornelius NC
- 2 Bed
- 2 Bath
- 1279 ft2
For Sale $675,000
Remarks:
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.
Exterior Features:
Storage
Interior Features:
Cable Prewire, Storage, Walk-In Closet(s)
General Information:
| List Price: | $675,000 |
| Status: | For Sale |
| Bedrooms: | 2 |
| Type: | Condominium |
| Approx Sq. Ft.: | 1279 sqft |
| Parking: | Assigned, Parking Space(s) |
| MLS Number: | CAR4414906 |
| Subdivision: | Harborgate |
| Bathrooms: | 2 |
| Lot Description: | Waterfront |
| Year Built: | 1985 |
| Sewer Type: | Public Sewer |
Assigned Schools:
| Elementary: | Cornelius |
| Middle: | Bailey |
| High: | William Amos Hough |
Lane Yates
704-232-7238
Broker In Charge
Price & Sales History
| Date | Event | Price | $/SQFT |
| 08-21-2026 | Listed | $675,000 | $528 |
| 11-12-2025 | Listed | $425,000 | $333 |
Nearby Schools
These schools are only nearby your property search, you must confirm exact assigned schools.
| School Name | Distance | Grades | Rating |
| Cornelius Elementary | 2 miles | KG-05 | 8 |
| J.V. Washam Elementary | 2 miles | KG-05 | 8 |
| Community School of Davidson | 3 miles | KG-06 | 10 |
| Davidson Elementary | 3 miles | KG-05 | 10 |
| Langtree Charter Academy | 4 miles | KG-06 | 9 |
| Thunderbird Preparatory School | 4 miles | KG-05 | 6 |
Source is provided by local and state governments and municipalities and is subject to change without notice, and is not guaranteed to be up to date or accurate.
Properties For Sale Nearby
Mileage is an estimation calculated from the property results address of your search. Driving time will vary from location to location.
| Street Address | Distance | Status | List Price | Days on Market |
| 20427 Harborgate Court, Cornelius NC | 0 mi | $825,000 | days | |
| 20407 Harborgate Court, Cornelius NC | 0 mi | $675,000 | days | |
| 20417 Harborgate Court, Cornelius NC | 0.1 mi | $799,000 | days | |
| 20221 Regatta Island Drive, Cornelius NC | 0.2 mi | $15,900,000 | days | |
| 20727 Pointe Regatta Drive, Cornelius NC | 0.2 mi | $3,300,000 | days | |
| 20337 Norman Colony Road, Cornelius NC | 0.2 mi | $1,850,000 | days |
Sold Properties Nearby
Mileage is an estimation calculated from the property results address of your search. Driving time will vary from location to location.
| Street Address | Distance | Property Type | Sold Price | Property Details |
Commute Distance & Time
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| Down Payment Amount | $990,000 |
| Mortgage Amount | $3,960,000 |
| Monthly Payment (Principal & Interest Only) | $19,480 |
* Expand Calculator (incl. monthly expenses)
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| H.O.A. / Maintenance |
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| Property Insurance |
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| Total Monthly Payment | $20,941 |
Demographic Data For Zip 28031
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Source is provided by local and state governments and municipalities and is subject to change without notice, and is not guaranteed to be up to date or accurate.
Property Listing Information
A Courtesy Listing Provided By Southern Homes of the Carolinas, Inc
20407 Harborgate Court, Cornelius NC is a 1279 ft2 . This is for $675,000. This has 2 bedrooms, 2 baths, and was built in 1985.
Based on information submitted to the MLS GRID as of 2026-08-21 15:46:35 EST. 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. Some IDX listings have been excluded from this website.
Properties displayed may be listed or sold by various participants in the MLS.
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Neither Yates Realty nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
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