$675,000

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… Read More 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. Read Less

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

Listing Snapshot | Source HomeJunction

Days Online

Last Updated

Oct 24, 2026

Property Type

Condominium

Beds

Full Baths

Square Ft.

1,279

Year Built

1985

MLS Number

4414906

Additional Details | Source HomeJunction

Property Access

Road Responsibility: Publicly Maintained Road, Road Surface: Asphalt, Paved

Appliances & Equipment

Dishwasher, Disposal, Electric Range, Electric Water Heater

Building

Built in 1985, Living area: 1279, Levels: One, Entry level: 404, Construction Materials: Hardboard Siding

Community

Cabana, Clubhouse, Outdoor Pool, Picnic Area, Recreation Area, Sidewalks, Street Lights, Walking Trails

Cooling

Ceiling Fan(s), Central Air, Heat Pump

Doors

Sliding Doors

Exterior Features

Patio/Porch Features: Deck, Screened, Storage

Fireplaces

Living Room, Wood Burning

Floors

Tile, Wood

Foundation

Basement, Permanent

Heating

Heat Pump

Home Owner's Association

Association Fee: $362.21, Fee Frequency: Monthly

Interior Features

Cable Prewire, Storage, Walk-In Closet(s)

Laundry

Electric Dryer Hookup, Main Level

Lot

Waterfront

Parking

Other Parking: Parking spaces 2, Assigned, Parking Space(s)

Pets Policy

Allowed: Yes

Property

Long Range, Water, Year Round

Roof

Architectural Shingle

Sewer

Public Sewer

Taxes

Additional parcels description:, Parcel Number: 001-441-28, Assessed Value: $511,320

Utilities

Cable Available, Electricity Connected, Water Source: City

Water Features

Water Body Name: Lake Norman, Beach - Private, Beach - Public, Boat Slip – Community, Boat Slip (Deed), Dock, Paddlesport Launch Site, Pier - Community

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20407 Harborgate Court #404

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