
$645,000
Est. Payment: $3,315/mo
Adjust down payment, rate & terms
21123 Rio Oro
Cornelius, NC 28031
3
bedrooms
3
baths
2,497
sq.ft.
$258
price per sf

Presented By
Carnarri Cofield
REALTOR®
About This Property
Lake Norman Living at an Unbeatable Value - Welcome to Bahia Bay. Nestled on nearly half an acre of wooded land in the sought-after Bahia Bay community, this charming 3-bedroom, 3-bath home puts the best of Lake Norman right at your fingertips - without the waterfront price tag. Enjoy exclusive community access to a boat ramp, dock, paddlesport launch, and a lakefront picnic area that will make every weekend feel like a vacation. Inside, the open-concept main level is designed for easy living. The two-story family room flows seamlessly into the dining area and a chef-inspired kitchen features gleaming granite countertops and a spacious island perfect for entertaining. The owner's suite is conveniently located on the main level, offering privacy and comfort. Upstairs, two generously sized bedrooms share a full bath - ideal for family, guests, or a home office setup. The finished basement adds valuable flex space, ready to become your home gym, media room, or playroom. Step outside to enjoy front and rear porch decks, and gather around the fire pit in your private, wooded backyard - a true outdoor retreat. Pull right into the oversized concrete driveway with room for 3+ vehicles and head straight to the water. With easy access to all that Lake Norman has to offer, this home checks every box. Lake life is calling - come answer it.
About the Neighborhood
Homes for sale in 28031 deliver one of the most coveted addresses in the entire Lake Norman region, encompassing the waterfront communities of Cornelius along the lake's eastern shoreline approximately 20 miles north of Uptown Charlotte via I-77. The residential landscape ranges from established 1980s and 1990s traditional lakefront estates with private docks to newer construction luxury communities and low-maintenance townhomes catering to buyers seeking Lake Norman access at varied price points. Jetton Park — one of Mecklenburg County's most beloved waterfront parks featuring swimming beaches, kayak launches, and miles of greenway trails — sits directly within the zip code, as does the walkable Downtown Cornelius corridor along Catawba Avenue with its independent restaurants and local breweries. Major employers along the I-77 corporate corridor in Cornelius and Huntersville are minutes away, and the commute to Uptown Charlotte runs approximately 25–30 minutes on I-77. The 28031 real estate market commands strong and consistent demand from buyers seeking genuine lakefront lifestyle with direct interstate connectivity to Charlotte's urban core.
Property Features
Property Description
- Beds Total: 3
- Full Baths: 3
- Half Baths: 0
- Year Built: 1983
- Living Area: 2,497 sqft
- New Construction: No
- MLS #: 4387095
Additional Home Features
- Subdivision: Bahia Bay
- Neighborhood: Bahia Bay
Association
- Association Fee: $75
- Association Fee Frequency: Annually
- Association Name: Bahia Bay HOA
- Association Phone: 704-255-6945
- HOA Required: Yes
Interior Features
- Attic Other
- Breakfast Bar
- Built-in Features
- Kitchen Island
- Open Floorplan
- Pantry
- Walk-In Closet(s)
- Walk-In Pantry
- Heating: Central
- Cooling: Ceiling Fan(s), Central Air, Ductless
- In Basement
- Lower Level
Appliances
- Dishwasher
- Disposal
- Exhaust Fan
- Freezer
- Gas Cooktop
- Gas Oven
- Microwave
- Oven
- Refrigerator
- Self Cleaning Oven
- Washer/Dryer
Construction Materials
- Stone Veneer
- Vinyl
- Foundation: Basement
- Roof: Architectural Shingle
Cooling
- Ceiling Fan(s)
- Central Air
- Ductless
Foundation Details
- Basement
Heating
- Central
Laundry Features
- In Basement
- Lower Level
Levels
- Two
Parking Features
- Driveway
Exterior Features
- Fire Pit
- Fencing: Partial
- Patio/Porch: Deck, Patio, Rear Porch
Road
- Road Responsibility: Publicly Maintained Road
- Road Surface Type: Concrete
Sewer
- Septic Installed
WaterSource
- Community Well
Community Features
- Picnic Area
- Recreation Area
Security Features
- Smoke Detector(s)
Flooring
- Bamboo
- Carpet
- Laminate
- Tile
- Vinyl
- Wood
Fireplace
- Fireplace: No
Location
LISTING COURTESY OF: EXP REALTY LLC BALLANTYNE
alison@lodestonerealestate.com
$645,000
Est. Payment: $3,315/mo
Adjust down payment, rate & terms
21123 Rio Oro
Cornelius, NC 28031
3
bedrooms
3
baths
2,497
sq.ft.
$258
price per sf

Presented By
Carnarri Cofield
REALTOR®
Listings courtesy of Canopy MLS as distributed by MLS GRID
No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Citadel Cofield, its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.
Listing Courtesy of EXP Realty LLC Ballantyne
Properties displayed may be listed or sold by various participants in the MLS. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

$645,000
21123 Rio Oro
3 bed, 3 bath
