# 13432 Windward Cove, Charlotte, NC 28278 > **TL;DR:** 3bd/3ba single family, $550,000 ($213/sqft), built 1988, 2,582 sqft. > Fireplace, A/C, 2-car garage. Est. $2,941/mo. Listed 55 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $550,000 | | Price/sqft | $213 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,582 | | Year Built | 1988 | | Lot Size | 23,958 sqft (0.55 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 55 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,781 | | Estimated Insurance | $160 | | **Total** | **$2,941** | ## Nearby Schools - **Elementary:** Winget Park - **Middle:** Southwest - **High:** Palisades ## Key Amenities - Fireplace - A/C - 2-car garage ## Property Highlights - Built in 1988 - 0.55 acre lot - 2 stories - Fireplace ## Description ### Agent Description 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. ## Location - **Address:** 13432 Windward Cove, Charlotte, NC 28278 - **County:** Mecklenburg - **Neighborhood:** Harbor Estates - **Coordinates:** 35.120382, -81.022146 - **Google Maps:** https://www.google.com/maps?q=35.120382,-81.022146 ## Virtual Tour & Media - **Video Tour:** https://view.spiro.media/order/b6b16873-ae8c-4c62-31da-08df040f5df4?version=68_148&branding=true ## Listing Agent - **Name:** Kerry Walsh - **Brokerage:** EXP Realty - **Broker Phone:** (727) 688-5000 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/13432-Windward-Cv_Charlotte_NC_28278_M53572-41388?f=listhub&s=CMLSNC&m=4419903&c=propsimple) ## Photos ![13432 Windward Cove - Photo 1](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f4223322394r.jpg) ![13432 Windward Cove - Photo 2](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f137986572r.jpg) ![13432 Windward Cove - Photo 3](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f4140597763r.jpg) ![13432 Windward Cove - Photo 4](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1849232907r.jpg) ![13432 Windward Cove - Photo 5](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f2193541435r.jpg) ![13432 Windward Cove - Photo 6](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1220216257r.jpg) ![13432 Windward Cove - Photo 7](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f3906793584r.jpg) ![13432 Windward Cove - Photo 8](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1378197977r.jpg) ![13432 Windward Cove - Photo 9](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f2719213585r.jpg) ![13432 Windward Cove - Photo 10](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f843610071r.jpg) ![13432 Windward Cove - Photo 11](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f607276220r.jpg) ![13432 Windward Cove - Photo 12](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f3647984299r.jpg) ![13432 Windward Cove - Photo 13](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f215455339r.jpg) ![13432 Windward Cove - Photo 14](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1151419707r.jpg) ![13432 Windward Cove - Photo 15](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f752908467r.jpg) ![13432 Windward Cove - Photo 16](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1769547963r.jpg) ![13432 Windward Cove - Photo 17](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1056540565r.jpg) ![13432 Windward Cove - Photo 18](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f3743312676r.jpg) ![13432 Windward Cove - Photo 19](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f575175561r.jpg) ![13432 Windward Cove - Photo 20](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1294435033r.jpg) ![13432 Windward Cove - Photo 21](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f3959310835r.jpg) ![13432 Windward Cove - Photo 22](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f4291052942r.jpg) ![13432 Windward Cove - Photo 23](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1187369577r.jpg) ![13432 Windward Cove - Photo 24](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f3359565538r.jpg) ![13432 Windward Cove - Photo 25](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f4025692191r.jpg) ![13432 Windward Cove - Photo 26](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f4246255577r.jpg) ![13432 Windward Cove - Photo 27](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f4141521628r.jpg) ![13432 Windward Cove - Photo 28](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f873254912r.jpg) ![13432 Windward Cove - Photo 29](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f616345853r.jpg) ![13432 Windward Cove - Photo 30](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f4121692628r.jpg) ![13432 Windward Cove - Photo 31](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1218932076r.jpg) ![13432 Windward Cove - Photo 32](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1847165967r.jpg) ![13432 Windward Cove - Photo 33](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f3752239592r.jpg) ![13432 Windward Cove - Photo 34](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f3710519643r.jpg) ![13432 Windward Cove - Photo 35](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f2062375218r.jpg) ![13432 Windward Cove - Photo 36](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f2484280890r.jpg) ![13432 Windward Cove - Photo 37](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1117628517r.jpg) ![13432 Windward Cove - Photo 38](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f3742055224r.jpg) ![13432 Windward Cove - Photo 39](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f4053311868r.jpg) ![13432 Windward Cove - Photo 40](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f3326289852r.jpg) ![13432 Windward Cove - Photo 41](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f832882631r.jpg) ![13432 Windward Cove - Photo 42](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f928064733r.jpg) ![13432 Windward Cove - Photo 43](http://lh.rdcpix.com/5ca8905d0f6192c6e3d0ebd50870d057l-f1045148414r.jpg) --- **MLS#:** 4419903 | **Updated:** 2026-10-28 **Source:** listhub *Copyright © 2026 Canopy MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/13432-windward-cove-charlotte-nc-28278-8eee43e5f934417bbdc4ef287aeed4bc) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/13432-windward-cove-charlotte-nc-28278-8eee43e5f934417bbdc4ef287aeed4bc#listing", "url": "https://www.propertysimple.ai/listing/13432-windward-cove-charlotte-nc-28278-8eee43e5f934417bbdc4ef287aeed4bc", "name": "13432 Windward Cove, Charlotte, NC 28278", "description": "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. 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