Open House 10/18 11am - 1pm
13432 Windward Cove
Charlotte, NC, 28278 $ 550,000
Bedrooms3 Baths2.1 Sq 2,582 Monthly Estimate*
$ 3,799
for $550,000 with 3 bedrooms and 2 full baths, 1 half bath. This 2,582 square foot home was built in 1988 on a lot size of 0.55.
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.
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Open House
10/18/2026 11:00 AM - 1:00 PM
13432 Windward Cove Charlotte, NC
* Some states or local ordinances may prohibit Open Houses at this time, please confirm with your Weichert agent or local rep to confirm
FeaturesGeneralLiving Area 2582
Sewer Shared Septic Other - See Remarks
Heating Electric Heat Pump
Cooling Ceiling Fan(s) Central Air
Roof Architectural Shingle
Appliances Dishwasher Disposal Electric Range Electric Water Heater Exhaust Fan Microwave Refrigerator with Ice Maker Washer/Dryer
Garage Spaces 2
Patio/Porch Features Covered Deck Front Porch Side Porch
Architectural Style Traditional
Construction Materials Wood
Year Built 1988
Levels Two
Property Subtype Single Family Residence
Parcel Number 199-086-48
Community Features Street Lights
County Mecklenburg
New Construction N
Property Type Residential
HOA N
Subdivision Name Harbor Estates
Garage Y/N Y
Full Baths 2
High School Palisades
City Charlotte
Senior Community Y/N N
Lot Size Units Acres
Carport Y/N N
Elementary School Winget Park
Middle/Junior High School Southwest
Additional Parcels Y/N N
Virtual Tour https://view.spiro.media/order/b6b16873-ae8c-4c62-31da-08df040f5df4?version=68_148&branding=true https://view.spiro.media/order/b6b16873-ae8c-4c62-31da-08df040f5df4?version=68_148&branding=true
Standard Status Active
Construction Type Site Built
Tax Assessed Value 433500
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InteriorInterior Amenities Attic Other Attic Walk In Breakfast Bar Entrance Foyer Pantry Storage Walk-In Closet(s)
Basement Basement Garage Door Daylight Finished Interior Entry Storage Space Walk-Out Access
Flooring Carpet Laminate Tile
Fireplace Features Living Room Wood Burning
Basement (Y/N) Y
Fireplace Y/N Y
Above Grade Finished Area 2061
Half Baths 1
Laundry Features Laundry Closet Main Level
Total Bedrooms 3
Below Grade Finished Area 521
Total Baths 3
SqFt Main 1366
SqFt Lower 0
SqFt Garage 437
SqFt Upper 695
Bedroom 1
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ExteriorParking Features Driveway Attached Garage Garage Door Opener Garage Faces Side Keypad Entry
Lot Features Sloped Wooded
Water Source Well
Lot Size Area 0.55
Foundation Details Basement Crawl Space
Road Surface Type Concrete Paved
Road Responsibility Publicly Maintained Road
Main Level Garage YN N
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* Excluded FeaturesList ByExp Realty Llc Rock HillBroker
Affordability Calculator
- Monthly Principal & Interest
- $3,799
- Monthly Property Taxes
- --
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Charlotte, NC
Average List Price $752,065
Percent of Sale Price 37%
About Charlotte, NC 853,875 Population
49% Since 2002
$ 58,239 Median Income
36.13 Median Age
30% Households with Children
Trends Information provided by ATTOM Data Solutions.
3732399 Elementary School
3714872 Middle School
Palisades High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 9/3/2026 | $550,000 | | Listed Price |