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13432 Windward Cove

Charlotte, NC 28278

Active Listed 14 Days Listing ID CAR 314248560

$550,000
Est. $3,491/mo20% down · 7.125% · 30-yrAdjust
  • P&I$2,964
  • Taxes$344
  • Insurance$183

Principal, interest, property tax, insurance & HOA. Estimate only — not a loan offer.

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$213/Sq Ft

3 bd · 2 ba · 2,582 sqft · $213/sqft

3 Beds
2 Baths
2,582 Sq Ft
$213/Sq Ft
1988 Built
.55 acres Single Family Residence Harbor Estates Listed Sep 4, 2026 Updated Sep 18, 2026 HOA None

Open House

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About This Home

OPEN HOUSE: Saturday, 9/19 from 11-1 pm! Nestled on a tranquil, wooded half-acre in the sought-after Harbor Estates community, this entertainer's dream offers the rare combination of mountain-like seclusion and effortless lake living — all with NO HOA. This exceptional home offers an inviting blend of sophisticated comfort, versatile living spaces, and an entertainer’s dream setting. Featuring three bedrooms, two full bathrooms, one half bathroom, multiple decks and a finished basement level bonus room, the home is designed for both relaxed everyday living and memorable gatherings.

The main level opens to a generous living room crowned by vaulted ceilings and skylights, anchored by a cozy wood-burning fireplace. Sliding glass doors extend the living space outdoors to the side porch, while the open flow layout leads seamlessly into the formal dining room.

The expansive kitchen is beautifully appointed with granite countertops, a classic subway tile backsplash, abundant cabinetry, breakfast bar, generous dining area and dedicated desk space. Just beyond, the composite board deck provides a peaceful setting for morning coffee, al fresco dining, or grilling while overlooking the tree-lined backyard.

The main-level primary suite serves as a serene private retreat, featuring a spacious closet, an en-suite bathroom with luxurious soaking tub and separate shower. Sliding glass doors provide direct access to the side porch, which wraps around toward the living room. A guest half bathroom and laundry complete the main level for everyday convenience.

Upstairs, a versatile loft area provides an ideal lounge or home office setting, complemented by two additional generously sized bedrooms and a full bathroom with a tub/shower combination — perfectly suited for family or guests. Floored attic access off the loft offers effortless additional storage.

The finished lower basement level expands the home’s entertaining potential with a large bonus room, built-in bar, and direct access to the backyard. This flexible space can accommodate a media room, second living area, home gym, game room, or a refined entertaining lounge. The two-car garage includes built-in shelving and a separate storage room, while an additional under-stair closet round out this home's abundant storage and functionality.

Ideally positioned less than a mile from Lake Wylie and minutes from Terry’s Marina and Long Cove Marina & Resort, this home offers convenient access to wet slips, dry storage, boating, and weekend recreation. Harbor Estates neighborhood borders the 1,132-acre McDowell Nature Preserve, providing a rare connection to protected natural surroundings. Enjoy easy access to RiverGate Shopping Center, Charlotte Premium Outlets, I-485, Charlotte Douglas International Airport, South Tryon, and all the recreation Lake Wylie has to offer. Experience a home where peaceful wooded views with a mountain feel and proximity to Lake Wylie come together to create a truly special everyday escape.

Property Details

Interior Details

Heating
  • Electric
  • Heat Pump
Flooring
  • Carpet
  • Laminate
  • Tile
Room Count
13
Garage Sq Ft
437
Half Bathrooms
1
Unheated Sq Ft
437
Total Bathrooms
3
Laundry Features
  • Laundry Closet
  • Main Level
Main Level Sq Ft
1366
Interior Features
  • Attic Other
  • Attic Walk In
  • Breakfast Bar
  • Entrance Foyer
  • Pantry
  • Storage
  • Walk-In Closet(s)
Upper Level Sq Ft
695
Fireplace Features
  • Living Room
  • Wood Burning
Main Level Bedrooms
1
Upper Level Bedrooms
2
Main Level Full Baths
1
Main Level Half Baths
1
Upper Level Full Baths
1
Upper Level Half Baths
0
Unheated Basement Sq Ft
437

Dwelling And Structure

Construction Type
Site Built
Architectural Style
  • Traditional

Square Footage And Levels

Levels
  • Two
Above Grade Finished Area
2061
Below Grade Finished Area
521

Parking And Garage

Parking Features
  • Driveway
  • Attached Garage
  • Garage Door Opener
  • Garage Faces Side
  • Keypad Entry

Exterior Features

Roof
  • Architectural Shingle
Construction Materials
  • Wood
Patio And Porch Features
  • Covered
  • Deck
  • Front Porch
  • Side Porch

Lot And Land

Lot Features
  • Sloped
  • Wooded
Lot Size Acres
0.55
Lot Size Units
Acres

Basement And Foundation

Basement
  • Basement Garage Door
  • Daylight
  • Finished
  • Interior Entry
  • Storage Space
  • Walk-Out Access
Foundation Details
  • Basement
  • Crawl Space

Utilities

Sewer
  • Shared Septic
  • Other - See Remarks
Water Source
  • Well

Financial Information

City Taxes Paid To
No City Taxes Paid

Zoning And Restrictions

Zoning
N1-C

Listed by Kerry Walsh (704-502-4574) · EXP Realty LLC Rock Hill (888-440-2798)

Location

Address
13432 Windward Cove
City
Charlotte, NC 28278
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Schools

Elementary
Winget Park
Middle
Southwest
High
Palisades

School assignments may change. Contact the school district to confirm.

Canopy MLS

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13432 Windward Cove, Charlotte, NC, 28278

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