Single Family Residence at 13432 Windward Cove, Charlotte
Single Family Residence at 13432 Windward Cove, Charlotte, photo 2 of 43
Single Family Residence at 13432 Windward Cove, Charlotte, photo 3 of 43
Single Family Residence at 13432 Windward Cove, Charlotte, photo 4 of 43
Single Family Residence at 13432 Windward Cove, Charlotte, photo 5 of 43
Breakfast Bar & Large Dining Area in Kitchen - 13432 Windward Cove, Charlotte
Large Dining Area in Kitchen - 13432 Windward Cove, Charlotte
Large Dining Area in Kitchen - 13432 Windward Cove, Charlotte
Single Family Residence at 13432 Windward Cove, Charlotte, photo 9 of 43
Laundry & Exit to Porch - 13432 Windward Cove, Charlotte
Living Room - 13432 Windward Cove, Charlotte
Living Room - 13432 Windward Cove, Charlotte
Fireplace Virtually Enhanced: Living Room - 13432 Windward Cove, Charlotte
Living Room - 13432 Windward Cove, Charlotte
Formal Dining Room - 13432 Windward Cove, Charlotte
Formal Dining Room - 13432 Windward Cove, Charlotte
Entrance Foyer - 13432 Windward Cove, Charlotte
Primary Bedroom Main Level - 13432 Windward Cove, Charlotte
Primary Bedroom Main Level - 13432 Windward Cove, Charlotte
Primary Bathroom - 13432 Windward Cove, Charlotte
Primary Bathroom - 13432 Windward Cove, Charlotte
Primary Bathroom - 13432 Windward Cove, Charlotte
Half Bathroom Main Level - 13432 Windward Cove, Charlotte
Loft Upper Level - 13432 Windward Cove, Charlotte
Bedroom #2 - 13432 Windward Cove, Charlotte
Bedroom #2 - 13432 Windward Cove, Charlotte
Guest Bathroom - 13432 Windward Cove, Charlotte
Guest Bathroom - 13432 Windward Cove, Charlotte
Bedroom #3 - 13432 Windward Cove, Charlotte
Bedroom #3 - 13432 Windward Cove, Charlotte
Basement - 13432 Windward Cove, Charlotte
Basement - 13432 Windward Cove, Charlotte
2 Car Storage with Shelving & Storage Room - 13432 Windward Cove, Charlotte
Porch off Living Room & Primary Bedroom - 13432 Windward Cove, Charlotte
Porch off Kitchen - 13432 Windward Cove, Charlotte
Side & Backyard - 13432 Windward Cove, Charlotte
Side & Backyard - 13432 Windward Cove, Charlotte
Single Family Residence at 13432 Windward Cove, Charlotte, photo 38 of 43
Single Family Residence at 13432 Windward Cove, Charlotte, photo 39 of 43
Single Family Residence at 13432 Windward Cove, Charlotte, photo 40 of 43
Single Family Residence at 13432 Windward Cove, Charlotte, photo 41 of 43
Single Family Residence at 13432 Windward Cove, Charlotte, photo 42 of 43
Single Family Residence at 13432 Windward Cove, Charlotte, photo 43 of 43
43 photos

$550,000

13432 Windward Cove
Charlotte, NC 28278
Listed by Kerry Walsh · EXP Realty LLC Rock Hill
Bedrooms
3
Bathrooms
2.5
Living area
2,582 sqft
Year built
1988

About this home

OPEN HOUSE: Saturday, 10/24 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.

Highlights

Fireplace

Property details

MLS
Canopy MLS
MLS #
CAR4419903
Property type
Single Family Residence
Subdivision
Harbor Estates
Status
Active
Days on market
49
On market date
September 4, 2026
Stories
N/A
Total bathrooms
2.5
Garage spaces
2
Parking spaces
N/A
Lot size
N/A
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
Winget Park Elementary
1.42 mi away · Grades -1-5
Zoned school (attendance boundary, 2015-16 data)
3.7
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
652
Student:teacher ratio
15.5:1
District
Charlotte-Mecklenburg Schools
Middle
Southwest Middle School
2 mi away · Grades 6-8
Zoned school (attendance boundary, 2015-16 data)
2.3
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: D (2025)
Enrollment
1,328
Student:teacher ratio
17.0:1
District
Charlotte-Mecklenburg Schools
High
Cato Middle College High School
19.24 mi away · Grades 11-13
Zoned school (attendance boundary, 2015-16 data)
3.8
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: A (2025)
Enrollment
166
Student:teacher ratio
41.5:1
District
Charlotte-Mecklenburg Schools

Walkability

Blended score for Charlotte's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

13
Very car-dependent
out of 100
EPA National Walkability Index
4.3 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in Charlotte, from live MLS data.

On the market 49 days -- 19 fewer days than Charlotte's current average of 68 days.
For reference, the median list price across 5,694 active listings in Charlotte right now is $359,940.

Mortgage calculator

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Est. monthly payment
$3,462/mo
$110,000 down
$440,000 loan
Principal & interest$2,854
Property tax (est.)$458
Home insurance (est.)$150

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Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated 2 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.