Suzanne Cowden

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Suzanne is a native Charlottean and found her calling when she became a Realtor®® in 2000. After graduating from the University of North Carolina-Chapel Hill, she spent several years in marketing and sales before joining GTE as an Economic Forecaster. That experience has been especially valuable in helping her determine solid pricing strategies and consumer confidence for buyers and sellers for the past 20 years. She joined HM Properties in 2020.

She truly loves sharing her expertise of the various areas and neighborhoods while acclimating newcomers to the Charlotte lifestyle, schools and amenities. She is committed to helping clients sell their home for the highest price, in the shortest amount of time, with the least amount of inconvenience. To accomplish this, she will help you get your home in top showing and photo condition and provide personal and online marketing to put your home in front of as many qualified buyers as possible. Managing the process from listing to close, she uses her extensive knowledge in marketing, promotions and finance to ensure client’s homes are properly priced and visually prepared to negotiate top dollar. She earned a Luxury Home Certification and has an extensive marketing plan to target affluent buyers in Charlotte and worldwide while providing creative ideas to get the best market value for your home. 

Suzanne especially enjoys helping buyers find their ideal home at the best price while taking care of all the details. With high energy and enthusiasm, her services are tailored to meet the individual needs of each client and she is committed to servicing all your real estate needs for life: Buying, Selling, Closing and Beyond.

Suzanne loves her hometown and chooses to live a purposeful life. She believes in helping her neighbors improve their economic mobility and self-worth. Her involvement with Charlotte Family Housing and Roof Above helps fulfill this dream and a portion of each of her closings goes to these organizations. She was featured on the TV show, Charlotte Today, and discussed how to help sellers prepare their homes for the spring market. She was also on the cover of the “Real Producers” magazine which highlights the top 200 area real estate agents in the Charlotte region.

Suzanne and her husband, Jeff, raised four children and are now grandparents and empty nesters. They live in the SouthPark area with their Golden Doodle, Sadie and understand the importance of finding the perfect haven. Her love for entertaining makes their home the center of family celebrations, dinners with friends and impromptu parties. Purchasing, renovating and renting investment properties is helping them reach their retirement goals. Jeff is a licensed General Contractor and his company, JSC Home Connection, specializes in renovating and restoring homes. He is also a licensed real estate agent and helps support Suzanne’s buyers and sellers with all their real estate needs. He performed full-time as a keyboard player in Detroit for 10 years and continues to play in various area bands.

honors & credentials

  • Licensed in NC & SC
  • Top Producer since 2002
  • Accredited Buyers Realtor (ABR)
  • Broker in Charge Designation (BIC)
  • Luxury Home Certification
  • Relocation Specialist
  • National Association of Realtors (NAR)
  • North Carolina Assoc. of Realtors (NCAR)
  • Canopy Realtor® Association (CRA)
  • Canopy MLS
  • Featured in “Top Producers” magazine


  • University of North Carolina - Chapel Hill - B.S. Business Administration
  • Texas Christian University - Graduate studies

community involvement

  • Cancer-Vive Fitness (board member)
  • UNC- Chapel Hill Charlotte Alumni (board member/volunteer coordinator)
  • Charlotte Family Housing and Roof Above
  • Mission of Hope Orphanage/School in Haiti

Suzanne's listings

  • Under Contract - No Show
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    0.03 ac
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3419 Steel Yard Court

Charlotte, NC  28205
The Arts District subdivision

Lovely spacious townhome in the vibrant NoDa community. New roof, fresh paint and new third floor carpet. Hardwoods on the main and custom 2'' blinds and upgraded closets …

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  • Under Contract - Show
  • Price:
  • Lot:
    0.47 ac
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5845 Five Knolls Drive , #51

Charlotte, NC  28226
Whitegate subdivision

Lovely treed cul de sac lot in highly desirable Whitegate. Easy access to I-485 and a short distance from shopping and dining areas such as South Park, Piper Glen, and …

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2338 Yadkin Avenue , #402

Charlotte, NC  28205
The Arts District subdivision

Spacious 4th floor immaculate Villa Heights condo in popular Arts District area. Walking distance to breweries, Amelie''s, the light rail, shopping and restaurants. …

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  • Under Contract - No Show
  • Price:
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  • Lot:
    0.30 ac
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    Single Family

12820 Hedgeway Drive

Charlotte, NC  28278
Greycrest subdivision

Beautiful updated ranch in the popular Steel Creek area.This home has it all including a great entertaining yard with aluminum and plastic fence, spacious deck with TV …

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I have to say that your tireless commitment to this sale and solving the issues helped us to make top dollar at closing. We want you to know that working with professionals like you and Jeff made us feel comfortable even in the face of problems.

Paige C

Suzanne has an impeccable understanding of the Charlotte area real estate market and provides excellent customer care. Suzanne understands the stress of trying to buy or sell a home, especially in this economy, and works diligently to make it as smooth a process as possible.

Kelly C

Suzanne was determined to get us what we need. She showed professionalism in getting our offer and repair request accepted. All of our needs were met every step of the way and continue to be.

Happy C

We appreciate all you have done for us. This has been quite a seamless experience. Thank you for your professional & personal advice. We are excited to keep in touch through the years.

Robb & H

Suzanne confidently and calmly handled everything. We have worked with her before and will always work with her in the future because she is excellent at what she does and a wonderful person.

Happy C

Suzanne is a true professional and a warm caring person whose presence and expertise kept us calm and confident through the entire selling process. Her team is committed to providing the same experience. I would highly recommend you contact Suzanne whether you want to sell or buy
or both.

Diane A

Suzanne Cowden is the most thorough and effective real estate agent with whom I have ever had the pleasure to interact! She is an excellent communicator and really works hard to make buying a home easy for her clients. I recommend her highly!

Dave Y

Suzanne Cowden, went above and beyond my expectations as a real estate agent selling my home. My first meeting was held at my home for assessment and Suzanne’s recommendations of touch ups that needed to be done to put the house on the market. Within one week we did needed  repairs with contractors. Suzanne then listed the home on the market and sold it in 2 hours. We had a line of buyers that wanted to see my place but Suzanne did an amazing job with her recommendations for touch ups, upgrades and decor and staging ideas it was gone in no time. Her knowledge of the real estate industry is amazing. She was very professional, always responded to my requests and questions right away and made me feel so comfortable with the whole selling process. Thanks Suzanne for the incredible job well done. You will be getting all of my referrals from friends, coworkers etc. who are seeking to buy or sell a home.

Bryan P

Could not recommend Suzanne and her team more highly! She sold our “unsellable” home with multiple offers and was a pleasure to work with. Simply can’t go wrong with her!

Laura M

Suzanne was able to sell a house co-owned by my ex-wife and I after it had been on and off the market several times over a several-year period. She succeeded when other agents failed, and she did so with true professionalism. This was the second home she had sold for us, and I only wish we had used her for the first house many years ago. She works hard, is thorough in her preparation and execution and communicates in a timely fashion. Simply put, Suzanne is simply the best real-estate agent in Charlotte.

Lee M

We started working with Suzanne in July 2013, looking for our dream home as we made the move from St. Louis to Charlotte for work. Suzanne and Giancarlo worked diligently with us over the period of almost two years. I tip my hat to the team for having the patience and tenacity to see us over the hurdle. I am sure that by know you have figured out that we are picky buyers. Relocating and staying in an apartment with two teenagers’ is no easy feat; however we did not want to rush into something that we would regret. Over the two year period, there were several occasions where I was extremely frustrated with the market and simply wanted to pull the trigger on the next one. Suzanne’s professionalism, expertise and acumen in her field steered me away from the poor decisions. We have been waiting for this day for a very long time and are finally in a home that we absolutely love and is perfect for our family. We are forever grateful for everything that Suzanne and Giancarlo did for us, in making our dreams come true.

Sanjay& Dipali S

Suzanne was an absolute pleasure to work with. From start to finish she was very responsive, kind, and a constant professional. I look forward to the opportunity to work with her again.

Ryan C

It’s been our sincere pleasure working with Suzanne Cowden at Allen Tate. Suzanne understands her clients very quickly, knows exactly their requirements and works extremely hard to fulfill their demands and make the buying/selling process as smooth as possible. She is very patient with her clients, highly knowledgeable, reachable and always serves with a high degree of professionalism. We strongly recommend Suzanne for your potential real estate needs. She is the right person without any hesitation. Also, her suggestions and recommendations can be completely relied upon. We are so fortunate to know and work with Suzanne Cowden.

Monali P

Suzanne is an amazing person and wonderful realtor. Last Spring we decided to put our home of 30 years on the market. Suzanne made several suggestions for updates and we followed her directions. Our home went on the market and in 7 days we had an offer from motivated buyers who had been preapproved for a mortgage. How perfect is that! What followed was fit for a mini series on HGTV. The inspection revealed surprises. Suzanne held the offer together. She found qualified contractors who were reasonably priced, professional and efficient. The offer held, the closing went smoothly. We are now enjoying our retirement and a young family are enjoying our former home. She is amazing!

Debbie W

I recently had the pleasure of working with Suzanne Cowden from Allen Tate through my company relocation to Charlotte. Right from beginning, Suzanne was extremely responsive and had great suggestions for homes to view based on what I was looking for. She understood what all factors were important for my wife and myself and gave a tour of the entire area highlighting the factors that were important to us all throughout the process .She was was very professional, courteous and knowledgeable. What is most important, from initial search through escrow closing, Suzanne watched out for our interests and I would gladly recommend Suzanne to anyone in the Charlotte area who might be looking for a real estate agent.

Bibin A

“It is a pleasure to write these comments, Suzanne is such a joy to work with. We couldn’t have asked for more, she exceeded our expectations in all ways. When we began the process of meeting with Suzanne, she came prepared with comparable market information and made suggestions on what needed to be done to our home before listing it. We did all she suggested. The photographer that Suzanne used for the listing pictures did a wonderful job. Suzanne listed our home, and had a thorough, expansive marketing plan. We had many showings the first week and in 10 days it was under contract. Her contract negotiation skills were amazing and kept us calm and heading in the right direction. As the buyers continued to raise questions through out the period of time to closing, Suzanne handled them professionally with amazing aplomb. She clearly knew her real estate law and what was required of all parties. She was constantly in touch with us throughout the process and her extra care assured the closing went smoothly. An exceptionally well done job.

DeeDee L

My experience with Suzanne was exceptional! She was supportive during the process, kept me informed frequently when necessary and was interested in making for a smooth transition. She explained steps in the process, helped coordinate resources to facilitate the move. I would and have recommended her to others. I know why she is one of the top realtors in the area. Thank you for a job well done. A happy client!

Sallye B

Suzanne Cowden did a superb job of preparing, marketing and selling my townhouse in Charlotte. She is very resourceful and organized in her approach. My home was sold and closed in under two months of listing. I could not have been happier with the result. Thank you Suzanne for a great real estate experience!

Ruth R

I would have to say that Suzanne is responsible for Allen Tate getting all my business from the referral of insurance to the mortgage. She is a great asset to your company. I am in the automobile business so I know a thing or two about customer service. Like Suzanne, I thrive on making clients
completely satisfied.

William H

Suzanne did a superb job from the initial discussions concerning the sale of our home in April to the closing in October. She was constantly updating us via text message, email, and phone calls concerning the details of our sell. We received good feedback from the various showings. Her positive attitude was evident in every step of the sale process. She reminded us of the property value and that one day someone would fall in love with our home. We were priviligeded to benefit from her excellent expertise in negotiation with the potential buyers to reach a great compromise on the final sale price. We rate her excellent in all phases of the sale process. Thank you Suzanne for making the sale of our home a wonderful experience.

Herman & Renee J

I had the pleasure of working with a young couple along with Suzanne. Her knowledge, demeanor, and caring touch put these first time home buyers at ease and secured a great house at a great price. She is a top notch professional who is committed to her customers.

Mark M

We enjoyed working with Suzanne Cowden during the process of selling our house. She helped us get access to people who would work on our house to get it ready to put on the market and gave us wise advice as far as what needed to be done to make the house marketable. She was always responsive to our needs, concerns and questions. We would use her again and recommend her.

Warren & Judy S

Simply stated, I would not have gotten through the process of selling my house without Suzanne. She not only handled the numerous legal and industry requirements for listing and selling my house with professionalism but kept me focused and “happy” until the mission was accomplished. Lorie and Jeff were also both valuable resources for me in this process. I am very appreciative of all their expertise and patience. Thanks so much!

Jinny C

I would give Suzanne five stars! She was wonderful to work with. Everything went very smoothly and she always got back to me quickly.

Susan C

My wife and I relocated to Charlotte from Austin, TX for job related reasons. We gave Suzanne our wish list and she checked every box in finding us our new home. This was all accomplished as COVID-19 was starting to accelerate. Suzanne managed our New home walk through via FaceTime and held the builder accountable for making the house perfect for our move in. All through the process we felt as if we had the right subject matter expert on our side who was fighting for the best home at the best price. My wife and I are very satisfied clients.

Kevin O

We had such a great experience both buying a home & selling one a few years down the line with Suzanne. She’s so knowledgeable and goes the extra mile! She kept us calm & sold our house very quickly, even during a pandemic.

Katie G

Suzanne did a phenomenal job helping navigate thru the journey of selling our home. She was very engaged, accessible, and a true partner throughout the process. Suzanne managed all the little details that can make a difference in the process and she helped from start to finish. Also, Jeff, Suzanne’s husband is an excellent resource for any work, remodeling (new and old) you need performed on your current house or new one. High quality work and attention to detail. Thanks Jeff.

Jeff K

hm properties is proud to be partnered with


SouthPark Office
6857 Fairview Rd
Charlotte, NC 28210
Waverly Office
7415 Waverly Walk Ave
Suite F2-2
Charlotte, NC 28277
Lake Norman Office
146 Mooresville Commons Way
Suite F
Mooresville, NC 28117

hm properties news

Fri, Oct 2, 2020 – Real estate history was made in the Charlotte, North Carolina region on September 4, 2020, when the highest priced residential home went on the market for sale in the Canopy MLS system for $7,995,000 and it was under contract four days later.

Known as Grand Lac Chateau, a grand 8.63-acre estate overlooking Lake Norman, 154 Tennessee Circle in …

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