21200 Rio Oro Drive
Cornelius, NC, 28031 $ 1,224,900
Bedrooms3 Baths2.0 Sq 2,048 Monthly Estimate*
$ 8,460
for $1,224,900 with 3 bedrooms and 2 full baths. This 2,048 square foot home was built in 1979 on a lot size of 0.22.
Experience the best of Lake Norman living in this charming waterfront home nestled in a peaceful, quiet cove in desirable Cornelius. Perfectly positioned with easy access to the main channel, this exceptional location is just minutes from shopping, dining, entertainment, I-77, and a convenient commute to Charlotte and surrounding areas. This beautifully updated ranch home features a sought-after split-bedroom floor plan with 3 bedrooms and 2 bathrooms, offering comfort, privacy, and effortless single-level living. Designed for both everyday living and entertaining, the thoughtfully renovated chef's kitchen showcases stunning quartz countertops, a large center island, abundant custom cabinetry, a five-burner gas cooktop, double wall ovens, a stylish tile backsplash, and upgraded lighting. The spacious primary suite serves as a private retreat, complete with direct access to a secluded deck, a walk-in closet, and designer lighting. The luxurious ensuite bath creates a spa-like experience with a soaking tub, walk-in shower, dual vanities, and elegant finishes. Step outside and embrace the ultimate waterfront lifestyle. A private deep-water dock and pier accommodate up to two boats, making it easy to enjoy everything Lake Norman has to offer. Relax on the expansive covered deck overlooking the tranquil cove, or gather with family and friends around the fire pit on the spacious paver patio while taking in beautiful water views stretching toward the main channel. Whether you're seeking a full-time residence or the perfect lake retreat, this exceptional home offers the ideal blend of luxury, comfort, and convenience. This is Lake Norman living at its finest.
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FeaturesGeneralLiving Area 2048
Sewer Public Sewer
Heating Heat Pump
Cooling Ceiling Fan(s) Central Air
Appliances Dishwasher Double Oven Exhaust Hood Gas Cooktop Microwave Plumbed For Ice Maker Self Cleaning Oven Tankless Water Heater Wall Oven
Zoning GR
HOA Fee 75
Patio/Porch Features Covered Deck Patio Rear Porch
Architectural Style Transitional
Security Features Smoke Detector(s)
Construction Materials Hardboard Siding Wood
Year Built 1979
View Water Year Round
Levels One
Property Subtype Single Family Residence
Parcel Number 001-297-43
Waterfront Features Boat Ramp Boat Slip – Community Pier Dock
Community Features Lake Access
Assoc Fee Paid Per Annually
County Mecklenburg
New Construction N
Property Type Residential
HOA N
Subdivision Name Bahia Bay
Garage Y/N N
Other Structures Shed(s)
Full Baths 2
High School William Amos Hough
City Cornelius
Body of Water Lake Norman
Senior Community Y/N N
Lot Size Units Acres
Carport Y/N N
Elementary School Cornelius
Middle/Junior High School Bailey
Additional Parcels Y/N N
Standard Status Active
Construction Type Site Built
Tax Assessed Value 1000000
Listing Terms Cash Conventional
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InteriorInterior Amenities Built-in Features Drop Zone Garden Tub Kitchen Island Open Floorplan Split Bedroom Storage Walk-In Closet(s)
Flooring Tile
Fireplace Features Fire Pit
Basement (Y/N) N
Fireplace Y/N N
Above Grade Finished Area 2048
Half Baths 0
Laundry Features Electric Dryer Hookup Laundry Room Main Level Sink
Total Bedrooms 3
Below Grade Finished Area 0
Total Baths 2
SqFt Main 2048
SqFt Lower 0
SqFt Upper 0
Bedroom 3
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ExteriorExterior Amenities Fire Pit In-Ground Irrigation
Fencing Back Yard Fenced
Parking Features Driveway
Lot Features Wooded Views Waterfront
Water Source City
Lot Size Area 0.22
Foundation Details Crawl Space
Road Surface Type Concrete Paved
Door Features Sliding Doors
Road Responsibility Publicly Maintained Road
Main Level Garage YN N
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* Excluded FeaturesList ByPremier Sotheby's International RealtyBroker
Affordability Calculator
- Monthly Principal & Interest
- $8,460
- Monthly Property Taxes
- --
- Monthly Home Insurance
- --
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.
Learn more about how to save NearbySingle family listings in Cornelius, NC
Average List Price $1,726,978
Percent of Sale Price 41%
About Cornelius, NC 29,886 Population
111% Since 2002
$ 87,385 Median Income
40.83 Median Age
29% Households with Children
Trends Information provided by ATTOM Data Solutions.
394235 Elementary School
370766 Middle School
William Amos Hough High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 8/10/2026 | $1,224,900 | -2.00% | Price Down |
| 7/22/2026 | $1,249,900 | | Listed Price |