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John KurtzCharlotte · NC

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Waxhaw · Waxhaw, NC

5404 Cotton Top Court

Waxhaw, NC · 5,495 sqft

$950,000

Reduced from $995,000

  • 5Beds
  • 4.5Baths
  • 5,495SqFt
  • 2011Year
  • 112X107X48X362X313x313Lot
  • 34Days on market

About this home

Welcome to 5404 Cotton Top Court, an exceptional estate nestled on 1.569 acres in the serene countryside of Waxhaw, where refined living meets thoughtful design. Recently appraised, this remarkable property offers not only luxury and versatility, but also exceptional value and confidence for today’s discerning buyer.

Spanning an impressive 5,495 square feet, this three-level residence offers a rare blend of elegance, privacy, and versatility—perfectly suited for today’s discerning buyer seeking both luxury and functionality.

From the moment you arrive, the extended private drive and three-car garage set the tone for the scale and presence of this home. Inside, timeless design elements unfold, beginning with a formal dining room ideal for elevated entertaining and a private main-level office with full bath, offering the flexibility of a guest suite or fifth bedroom.

The heart of the home is an expansive open-concept living space designed for both grand gatherings and intimate moments. Seamless flow leads you outdoors to a resort-style setting, where a recently relined pool and rebuilt deck (April 2026) create a private retreat for relaxation and entertaining alike.

Upstairs, a spacious loft provides an additional layer of living, while generously sized bedrooms offer comfort without compromise.

The fully finished lower level presents a private apartment-style living space, thoughtfully designed for multigenerational living, long-term guests, or curated income opportunities—all while maintaining privacy and independence.

Beyond its beauty, this home is engineered for elevated living with dual septic systems, a private well with a water softener, and recent mechanical updates, including a new outdoor condenser (April 2026) and newer basement carpeting (2021).

This is more than a home—it is a lifestyle defined by space, sophistication, and seamless multigenerational living.

Property details

Beds
5
Baths
4.5
SqFt
5,495
Lot
112X107X48X362X313x313
Year built
2011
Type
Single Family
Days on market
34
Garage
3
Style
Traditional
Heating
Central, Forced Air, Natural Gas
Cooling
Central Air, Electric
Foundation
Basement
Flooring
Carpet, Linoleum
HOA dues
$480 / yr

Features

  • Attic Other
  • Breakfast Bar
  • Cable Prewire
  • Garden Tub
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Split Bedroom
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Fire Pit
  • In-Ground Irrigation

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$6,952/ month

Principal & interest
$5,883
Property tax (~0.95%)
$752
Homeowners insurance
$277
HOA dues
$40

Down payment

$47,500 down · $902,500 financed

Income to qualify (28% rule)

~$297,976 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.