16312 Cozy Cove Road Charlotte, NC $ 2,750,000
16312 Cozy Cove Road
$ 2,750,000
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16312 Cozy Cove Road

Charlotte, NC, 28278
$ 2,750,000
Bedrooms6 Baths5.2 Sq 6,218

Monthly Estimate*

$ 18,994

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Single Family Home for sale in Charlotte, NC

for $2,750,000 with 6 bedrooms and 5 full baths, 2 half baths. This 6,218 square foot home was built in 2019 on a lot size of 1.01.

Imagine a home that adapts perfectly to your lifestyle, offering three entirely separate living quarters without sacrificing a drop of luxury or lakefront charm. This 6,200-square-foot residence is a masterclass in versatility, designed specifically for multi-generational living or hosting guests with total independence. The finished walk-out lower level serves as a complete second home with its own full kitchen, two bedrooms, and two bathrooms, while a private upstairs apartment offers a third full kitchen and a dedicated bedroom suite. The lifestyle here revolves around the water. Step outside to a resort-style backyard where an inground pool and spa overlook your private dock, tucked away on a serene lake cove. Whether you’re launching a boat for a sunset cruise or enjoying a quiet morning on the screened porch, the connection to the water is seamless. Inside, the main level acts as a sophisticated central hub. A two-story great room with a three-sided fireplace creates a dramatic focal point, flowing into a chef’s kitchen designed for large-scale entertaining. The primary suite is also conveniently situated on the main floor, offering a secluded retreat with direct access to the expansive outdoor living areas. Located near the Palisades but notably free from HOA restrictions, this property offers a rare sense of privacy and freedom. You’ll enjoy the feeling of a secluded getaway while just a short drive from Charlotte’s premier dining, medical centers, and the international airport. It’s more than just a home; it’s a flexible, waterfront sanctuary built for the way you live today. **Seller is offering a 2/1 buydown with acceptable offer** Flyer with details attached.

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Single Family Active

Price

$ 2,750,000

Bedrooms

6

Full Bath

5

Half Bath

2

Property Type

Single Family

Taxes

$ 0

Style

Lot Size

1.01

Year Built

2019

Town/City

Charlotte

County/Region

Mecklenburg

MLS | Web ID

4321861

Features
General
Living Area 6218
Sewer Public Sewer
Heating Central Heat Pump Natural Gas
Cooling Central Air Heat Pump Multi Units
Utilities Natural Gas
Roof Architectural Shingle
Appliances Dishwasher Disposal Electric Oven Exhaust Hood Gas Cooktop Refrigerator Tankless Water Heater Wine Refrigerator
Garage Spaces 4
Patio/Porch Features Covered Deck Enclosed Front Porch Porch Rear Porch Screened Side Porch
Pool Features Heated In Ground Outdoor Pool Pool/Spa Combo Salt Water
Construction Materials Fiber Cement
Year Built 2019
View Water Year Round
Levels One and One Half
Property Subtype Single Family Residence
Parcel Number 21718130
Waterfront Features Dock
County Mecklenburg
New Construction N
Property Type Residential
HOA N
Subdivision Name None
Garage Y/N Y
Full Baths 5
High School Unspecified
City Charlotte
Body of Water Lake Wylie
Senior Community Y/N N
Lot Size Units Acres
Carport Y/N N
Elementary School Unspecified
Middle/Junior High School Unspecified
Additional Parcels Y/N N
Virtual Tour https://listings.skycampictures.com/16213-Cozy-Cove-Rd-Charlotte-NC-28278-USA https://listings.skycampictures.com/16213-Cozy-Cove-Rd-Charlotte-NC-28278-USA
Standard Status Active
Construction Type Site Built
Tax Assessed Value 1324500
Listing Terms Cash Conventional
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Interior
Interior Amenities Attic Walk In Cable Prewire Garden Tub Kitchen Island Open Floorplan Pantry Split Bedroom Walk-In Closet(s) Walk-In Pantry
Basement Apartment Basement Garage Door Daylight Interior Entry Partially Finished Storage Space Walk-Out Access
Flooring Carpet Tile Wood
Fireplace Features Den Gas Log Gas Starter Great Room See Through
Basement (Y/N) Y
Fireplace Y/N Y
Above Grade Finished Area 4793
Half Baths 2
Laundry Features Laundry Closet Laundry Room Lower Level Main Level Multiple Locations Upper Level
Total Bedrooms 6
Below Grade Finished Area 1425
Total Baths 7
SqFt Main 2979
SqFt Lower 0
SqFt Garage 981
SqFt Upper 1814
Bedroom 3
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Exterior
Exterior Amenities Fire Pit Dock - Floating Gas Grill In-Ground Irrigation
Parking Features Attached Garage Garage Door Opener Garage Faces Side Garage Shop Golf Cart Garage
Lot Features Waterfront
Water Source City
Lot Size Area 1.01
Foundation Details Basement
Lot Dimensions 291x172x100x40x214
Road Surface Type Concrete Paved
Other Parking 3-car garage on main level and 1-car garage in basement for golf cart lawnmower etc.
Door Features French Doors Sliding Doors
Road Responsibility Publicly Maintained Road
Main Level Garage YN Y
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Internal Only
Street Number 1 16312
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* Excluded Features
List By
Compass

Broker

Affordability Calculator

$18,994
Per Month
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Monthly Principal & Interest
$18,994
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Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
1081546 Elementary School
1081540 Middle School
Unspecified High School High School
Pricing History
DatePricePrice ChangeDescription
6/30/2026$2,750,000 -6.78% Price Down
4/21/2026$2,950,000 -9.23% Price Down
3/10/2026$3,250,000 -7.01% Price Down
11/14/2025$3,495,000 Listed Price

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16312 Cozy Cove Road, Charlotte, NC, 28278 is a Single Family Home for sale at $2,750,000 with 6,218 sqft and a lot size of 1.01. 16312 Cozy Cove Road has 6 bedrooms, 5.2 baths, and was built in 2019. The property's zip code is 28278 which is in Charlotte, NC