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$1,279,900

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21200 Rio Oro

Cornelius, NC 28031

3

bedrooms

2

baths

2,022

sq.ft.

$633

price per sf

Property TypeResidential
Year Built1979
Days on Market18
Carnarri Cofield

Presented By

Carnarri Cofield

REALTOR®

About This Property

Welcome to your peaceful waterfront retreat with a minimal HOA, tucked away in a quiet cove in the heart of Cornelius, just minutes from the Cain Center for the Arts, shopping, dining, breweries, and parks. A rare and valuable feature, the private pier and dock accommodate two boats, offering easy access to Lake Norman’s main channel and elevating this property into a true lakefront escape. Inside, the bright and airy open floor plan offers a natural flow ideal for everyday living and entertaining. The upgraded kitchen features quartz countertops, a large island with storage, abundant cabinetry, stainless steel appliances including refrigerator, double ovens, five-burner gas cooktop, tile backsplash, and upgraded lighting. The light-filled great room includes a ceiling fan and seamless access to the deck, creating effortless indoor-outdoor living with peaceful lake views. The primary suite provides a private retreat with recessed lighting, ceiling fan, private deck access, walk-in closet, and en-suite bath with dual vanity, tiled shower, and soaking garden tub. Additional highlights include exceptional storage throughout, including a storage shed. Outdoor living is enhanced by an expansive covered deck with step-down access to a large paver patio with fire pit, while the private dock offers open views toward the main channel — perfect for enjoying the Lake Norman lifestyle.

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: 2
  • Half Baths: 0
  • Year Built: 1979
  • Living Area: 2,022 sqft
  • New Construction: No
  • MLS #: 4326839

Additional Home Features

  • Subdivision: Bahia Bay

Association

  • Association Fee: $75
  • Association Fee Frequency: Annually
  • Association Name: Bahia Bay
  • HOA Required: Yes

Interior Features

  • Built-in Features
  • Drop Zone
  • Garden Tub
  • Kitchen Island
  • Open Floorplan
  • Split Bedroom
  • Storage
  • Walk-In Closet(s)
  • Heating: Heat Pump
  • Cooling: Ceiling Fan(s), Central Air
  • Electric Dryer Hookup
  • Laundry Room
  • Main Level
  • Sink

Appliances

  • Dishwasher
  • Double Oven
  • Exhaust Hood
  • Gas Cooktop
  • Microwave
  • Plumbed For Ice Maker
  • Self Cleaning Oven
  • Wall Oven

Construction Materials

  • Hardboard Siding
  • Foundation: Crawl Space

Cooling

  • Ceiling Fan(s)
  • Central Air

Foundation Details

  • Crawl Space

Heating

  • Heat Pump

Laundry Features

  • Electric Dryer Hookup
  • Laundry Room
  • Main Level
  • Sink

Levels

  • One

Parking Features

  • Driveway

Exterior Features

  • Fire Pit
  • In-Ground Irrigation
  • Fencing: Back Yard, Fenced
  • Patio/Porch: Covered, Deck, Patio, Other - See Remarks

Other Structures

  • Shed(s)

Road

  • Road Responsibility: Publicly Maintained Road
  • Road Surface Type: Concrete, Paved

Sewer

  • Public Sewer

WaterSource

  • City

Architectural Style

  • Transitional

View

  • Water
  • Year Round

Security Features

  • Smoke Detector(s)

Flooring

  • Tile

Fireplace

  • Fireplace: No
  • Fire Pit

Tax and Financial Info

  • Listing Terms: Cash, Conventional, VA Loan

Location

Schools

Elementary

Cornelius

Middle

Bailey

High School

William Amos Hough

LISTING COURTESY OF: KELLER WILLIAMS LAKE NORMAN

Matt@TheSarverGroup.com

MLS GRID

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 Keller Williams Lake Norman

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.

Carnarri Cofield

$1,279,900

21200 Rio Oro

3 bed, 2 bath