Agent profile image in chat bubble
Agent profile image in chat header

Dream Team United

| Dream Team United | Keller Williams Connected | PLACE

Agent profile image in message

5404 Cotton Top Ct , Waxhaw, NC 28173
$797,012
Est. Payment: $4,107.17/mo
5 Bed
5 Bath
5495 Sqft
Status: active | Days on site: 106
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275

By providing your number, you are expressly consenting, in writing, to receive telemarketing and other messages, including calls or texts at the number you provided above. This consent is not required to purchase any good or service. Message and data rates may apply. Text STOP to cancel.

This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply.

House Description

Welcome to 5404 Cotton Top Court, where peaceful country living meets exceptional space, flexibility, and comfort. Situated on 1.569 acres in the sought-after Waxhaw countryside, this recently appraised residence offers an opportunity to enjoy a property designed for the way people live today. Priced below its recent appraised value, this home presents a unique opportunity for instant equity while delivering luxury, space, and versatility. A long private drive and three-car garage create an impressive arrival experience, while the thoughtfully designed interior provides room for everyday living, entertaining, and hosting guests. The formal dining room is ready for memorable gatherings, and the private main-level office with a full bath offers flexibility for a variety of lifestyle needs. At the center of the home, expansive living spaces connect seamlessly, creating an inviting environment for both large celebrations and quiet evenings at home. Natural flow leads outdoors to a backyard retreat featuring a recently relined pool and rebuilt deck, offering the perfect setting for summer afternoons, weekend cookouts, or relaxing under the Carolina sky. Upstairs, spacious bedrooms and a versatile loft provide additional room to spread out, work, play, or unwind. The fully finished lower level offers a private apartment-style living area that creates opportunities for extended guest stays, income-producing potential, additional flexible recreational living space, or extended living. Designed with both comfort and practicality in mind, the property also features dual septic systems, a private well with a water softener, a new outdoor condenser installed in 2026, and newer basement carpeting. Offering approximately 5,495 square feet across three levels, this home delivers the rare combination of privacy, versatility, and everyday convenience. Whether you're seeking room to grow, space to entertain, or a peaceful retreat from the pace of city life, 5404 Cotton Top Court provides a setting where lasting memories are ready to be made—all while benefiting from the confidence of purchasing WELL below appraised value - gaining instant equity as soon as you move in!

Highlights

Listed by Dee Brummett , 704-989-9793 and Ted Walania , 704-989-9793 Coldwell Banker Realty , 704-541-5111. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
1.57

HOA Fee

480 Annually

Year Built

2011

County

Union

Neighborhood

Houston Ridge

Listing ID

4368521

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Electric Oven, Ice Maker, Microwave, Plumbed For Ice Maker
Air Cond:Central Air,Electric
Fireplaces:
Floor:Carpet,Linoleum
Above Ground Sq Ft:3775
Below Ground Sq Ft:1720
Basement:Apartment,Exterior Entry,Finished,Walk-Out Access,Walk-Up Access
Other:Attic Other,Breakfast Bar,Cable Prewire,Garden Tub,Kitchen Island,Open Floorplan,Pantry,Split Bedroom,Walk-In Closet(s),Walk-In Pantry
Other:Well

Exterior Features

Lot:Cul-De-Sac,Level
Lot Dimensions:112X107X48X362X313x313
Zoning:AJ2
Roof:Architectural Shingle
Others:Fire Pit,In-Ground Irrigation
Sewer:Septic Installed
Parking Features:Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,Garage Faces Side,Keypad Entry,Parking Space(s)
Principal Interest
$4,107
Taxes
$508
HOA
$480

Home Price

$797,012

Loan Details

30 yrs
6.683%

Down Payment

20%
$159,402
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$4,107.17

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $4,107.17 $508.10 $480.00 $5,095.26
Yearly $49,286.00 $6,097.14 $5,760.00 $61,143.14
Total $1,478,580.09 $182,914.25 $172,800.00 $1,834,294.34

Today's Rates

30 Year

6.68%

20 Year

6.55%

15 Year

6.13%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
Market insight data is pulled from the same city as the listing being viewed (Waxhaw, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Dream Team United | Keller Williams Connected | PLACE nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
Listings courtesy of Canopy MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-08-02T01:59:06.000Z

© 2026 Canopy MLS

MLS Logo - Canopy MLS