5404 Cotton Top Ct, Waxhaw, NC, 28173
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. 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.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2011
Materials
- Construction materials: Fiber Cement
Other
- Builder model: Winslow
- Builder name: True Homes
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Electric Oven,Ice Maker,Microwave,Plumbed For Ice Maker
- Laundry features: Electric Dryer Hookup,Laundry Room,Lower Level,Sink,Upper Level,Washer Hookup
Basement
- Has basement: Yes
- Basement: Apartment,Exterior Entry,Finished,Walk-Out Access,Walk-Up Access
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Upper
Bathroom Full
- Level: Main
Bathroom Half
- Level: Main
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
Dining Room
- Level: Main
Features
- Attic Other,Breakfast Bar,Soaking Tub,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s),Walk-In Pantry
- Flooring: Carpet,Linoleum
- Attic: Other
- Finished area below ground: 1,720
- Finished area above ground: 3,775
Flex Space
- Level: Main
Heating & Cooling
- Heating features: Central,Forced Air,Natural Gas
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 3,775
- Total interior livable area: 5,495 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Loft
- Level: Upper
Other
- Level: Basement
Other
- Level: Basement
Other
- Level: Basement
Primary Bedroom
- Level: Upper
Property
Details
- Parcel number: 06057204
- Zoning: AJ2
- Special condition: Standard
- Other equipment: Surround Sound
Features
- Levels: Two
- Stories: 2
- Private pool: Yes
- Pool features: Fenced,In Ground,Outdoor Pool,Salt Water
- Patio & porch: Deck,Front Porch
- Exterior features: Fire Pit,In-Ground Irrigation
- Fencing: Back Yard
Lot
- Lot size: 1.57 Acres
- Features: Cul-De-Sac,Level
- Lot size dimensions: 112 x 107 x 48 x 362 x 313 x 313
Parking
- Total spaces: 3
- Parking features: Driveway,Attached Garage,Garage Door Opener,Garage Faces Front,Garage Faces Side,Keypad Entry,Parking Space(s),Garage on Main Level
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Ice Storm
- Tornado
- Cold Wave
- Lightning
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Union County and North Carolina
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,030 | $48,360 |
| Home Insurance * | $224 | $2,688 |
| Property Taxes | $324 | $3,888 |
| Electricity | $511 | $6,141 |
| Total | $5,089 | $61,068 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-09 | Price change | $950,000 |
| 2026-04-29 | Price change | $995,000 |
| 2026-04-17 | Listed for sale | $1,000,000 |
| 2011-03-16 | Sold | $388,000 |
| 2010-12-01 | Sold | $33,000 |
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