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.