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21216 Rio Oro Drive, Cornelius, NC. property listing photo
21216 Rio Oro Drive, Cornelius, NC. property listing photo 1
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$3,975,000

21216 Rio Oro Dr, Cornelius, NC 28031

5 bed · 5.5 bath · 5,188 sq ft

Active

5

bedrooms

5.5

baths

5,188

sq.ft.

$766

price per sf

Property TypeResidential
Year Built2026

Presented by Citadel Cofield · Office (980) 272-8547

About This Property

Waterfront living on Lake Norman takes on a whole new meaning in this exceptional custom home in Cornelius. Designed for the way you actually want to live, entertain, work, and unwind, every level of this home has been thoughtfully planned with incredible attention to detail. From the moment you enter through the dramatic 10-foot custom Clark Hall steel door, the quality is unmistakable. Soaring 12-foot ceilings, wide-plank European white oak floors, custom millwork, a striking wine wall, diamond-coffered ceiling, and oversized arched openings set the tone, while expansive quad-stack sliders create a seamless connection between the home, outdoor living spaces, and water beyond. At the heart of the home, the kitchen combines high-end design with exceptional functionality. Custom two-tone inset cabinetry, white oak accents, a substantial Azurra Bay quartzite island with 2.5-inch mitered edge, panel-ready appliances, and an oversized Venetian plaster range hood create a beautiful gathering space overlooking the lake. Just beyond is a hidden pantry/scullery that feels like a second kitchen, complete with custom cabinetry, a full-size refrigerator, second dishwasher, microwave, and abundant storage. One of the most thoughtfully designed features of the main level is the private guest suite with its own beautifully finished en-suite bath and oversized walk-in shower. Whether hosting family, long-term guests, or creating a private space for multigenerational living, guests can enjoy their own retreat without sacrificing privacy. Upstairs, the primary suite feels like a true escape, with gorgeous sliders leading to a private balcony overlooking the lake. It's the perfect spot to unwind at night. Two oversized custom closets with integrated LED lighting, and a spa-inspired bath with marble tile, floor-to-ceiling glass shower, custom cabinetry, dual vanities, and beautiful gold fixtures complete this retreat. Three additional bedrooms and a generously sized laundry room with extensive cabinetry and storage complete the upper level. But the lower level is where this home truly becomes something special. Designed as an extension of the home’s entertaining space rather than simply a finished basement, it includes a full custom golf simulator, built-in sauna, private home office, second laundry room, and a beautifully appointed kitchenette with ice maker and wine cooler. Quad-stack sliders open the entire space to the lower terrace, while an accordion-style pass-through window from the kitchenette makes indoor/outdoor entertaining effortless. With room for a future pool just outside, this level was designed with lake days, pool parties, game days, and evenings with friends in mind. The second laundry room is an especially thoughtful addition for lake and future pool towels without carrying everything through the home. Outside, professionally landscaped grounds lead to a peaceful Lake Norman cove and new private dock, putting the water just steps from your door. The 3 covered rear porch provides another place to relax, dine, and enjoy the setting, while the future pool area offers the opportunity to create a complete waterfront resort experience. From two laundry rooms and exceptional storage to the hidden scullery, private office, golf simulator, sauna, guest suite, custom architectural details, and multiple indoor/outdoor entertaining spaces, no detail feels like an afterthought. This is a home designed not simply to look beautiful, but to live beautifully. Located in Bahia Bay in Cornelius, this is an opportunity to enjoy the Lake Norman lifestyle in one of the area’s most sought-after waterfront locations—minutes from dining, shopping, medical care, and everything Cornelius has to offer. Exceptional craftsmanship, thoughtful design, and waterfront living come together in a home that truly needs to be experienced in person.

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: 5
  • Bathrooms: 5 Full | 1 Half
  • Year Built: 2026
  • Living Area: 5,188 sqft
  • New Construction: Yes
  • MLS #: 4425303

Additional Home Features

  • Subdivision: Bahia Bay
  • Neighborhood: Bahia Bay

Association

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

Utilities

  • Cable Available
  • Fiber Optics
  • Natural Gas
  • Underground Utilities

Interior Features

  • Drop Zone
  • Entrance Foyer
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Sauna
  • Storage
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Wet Bar
  • Heating: Heat Pump, Natural Gas
  • Cooling: Central Air
  • In Basement
  • Laundry Room
  • Upper Level

Appliances

  • Bar Fridge
  • Dishwasher
  • Disposal
  • Double Oven
  • Exhaust Hood
  • Freezer
  • Gas Cooktop
  • Gas Water Heater
  • Ice Maker
  • Microwave

Construction Materials

  • Fiber Cement
  • Hard Stucco
  • Foundation: Basement
  • Roof: Architectural Shingle

Cooling

  • Central Air

Foundation Details

  • Basement

Heating

  • Heat Pump
  • Natural Gas

Laundry Features

  • In Basement
  • Laundry Room
  • Upper Level

Levels

  • Two

Parking Features

  • Driveway
  • Attached Garage
  • Garage Spaces: 2

Exterior Features

  • In-Ground Irrigation
  • Patio/Porch: Covered, Rear Porch

Road

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

Sewer

  • Public Sewer

WaterSource

  • City

Community Features

  • Lake Access
  • Picnic Area

View

  • Water

Security Features

  • Carbon Monoxide Detector(s)

Flooring

  • Tile
  • Wood

Window Features

  • Insulated Window(s)

Fireplace

  • Fireplace: Yes
  • Family Room
  • Gas

Tax and Financial Info

  • Listing Terms: Cash, Conventional, VA Loan

Location

LISTING COURTESY OF: ADAMS AND COLLINS REALTY LLC

bwadams85@gmail.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.

Listing Courtesy of Adams and Collins Realty LLC

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. Information deemed reliable but not guaranteed. Equal Housing Opportunity.

Listing information © 2026 Canopy MLS. All rights reserved.

$3,975,000 · 21216 Rio Oro Drive