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About This Home

This 3-bedroom, 2-bathroom single family at 21200 Rio Oro Drive in Cornelius, NC is listed for $1,279,900 ($633 per sqft). Built in 1979, the home offers 2,022 sqft of living space on a 0.22 acres lot.

Agent Description

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.

Key Features

  • Built in 1979
  • 0.22 acre lot
  • Fireplace
  • Waterfront

Property Details

1 story
2 full
1979

Amenities

FireplaceWaterfrontViewA/C

Monthly Cost Estimate

$6,920/mo

20% down · 6.5% · 30 years

Principal$926
Interest$5,546
Insurance$373
HOA$75

Estimates only. Actual payments may vary.

Location

21200 Rio Oro Drive

Cornelius, NC 28031

Bahia Bay

Features & Amenities

Interior Features

Built-in FeaturesDrop ZoneGarden TubKitchen IslandOpen FloorplanSplit BedroomStorageWalk-In Closet(s)

Exterior Features

Fire PitIn-Ground Irrigation

Property Details

Flooring

Tile

Construction

Hardboard Siding

Views

Water

Pool Features

PatioDeck

Parking

Driveway

Heating

Heat Pump (Heating)

Cooling

Ceiling Fan(s)Central Air

Appliances

DishwasherDouble OvenExhaust HoodGas CooktopMicrowavePlumbed For Ice MakerSelf Cleaning OvenWall Oven

Questions & Answers

This 3-bedroom, 2-bathroom single family at 21200 Rio Oro Drive is listed at $1,279,900 ($633/sqft). The estimated monthly payment is $5,621 based on 20% down at 6.5% interest.

HOA fees are $75/month.

Key features include: Built in 1979, 0.22 acre lot, Fireplace, Waterfront. Interior Features: Built-in Features, Drop Zone, Garden Tub. Exterior Features: Fire Pit, In-Ground Irrigation.

This property is listed by Matt Sarver and can be reached at 7044459977 or matt@thesarvergroup.com.

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MS

Matt Sarver

Agent at Keller Williams Lake Norman

(704) 445-9977

Listed by Keller Williams Lake Norman · View on Broker Site

MLS# 4326839· Source: listhub· Updated 130 days ago

Copyright © 2026 Canopy MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

21200 Rio Oro Drive, Cornelius, NC 28031

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