21520 Rio Oro Dr

Cornelius, NC 28031

$3,499,500
Price
4
Beds
3,928 Sq. Ft.
$891 / Sq. Ft.
3,928
Sq. Ft.
$891
per Sq. Ft.
Active Under Contract
Active Under Contract
a front view of a house with a yard and garage
a front view of a house with a yard and garage
a view of a house with a outdoor space
a view of house with outdoor space and lake view
an aerial view of lake residential house with outdoor space and trees around
a living room with furniture a fireplace and a flat screen tv
a living room with fireplace furniture and a large window
a large kitchen with stainless steel appliances granite countertop a stove and a sink
a large kitchen with stainless steel appliances granite countertop a lot of counter space and a sink
a kitchen with stainless steel appliances granite countertop a stove a sink and a refrigerator
a living room with furniture and a large window
a living room with fireplace furniture and a large window
a bathroom with a sink and a mirror
a bathroom with a sink and a window
a dining room with furniture a chandelier and wooden floor
a spacious bedroom with a bed couch and a window
a bedroom with a large bed and a dresser
a bathroom with a sink and a mirror
a bathroom with a tub sink and shower
a bathroom with a sink a toilet and a shower
a view of a hallway with closet and a living room
a bathroom with a sink and mirror
a bathroom with a sink and a window
a bedroom with a bed and a chandelier
a bedroom with bed and a chandelier
a bathroom with a sink toilet and shower
a view of an empty room with a window and wooden floor
a view of an empty room with a window
a bedroom with a bed and window
a en suite bathroom with a sink and mirror
a bathroom with a shower sink and mirror
a bedroom with a large bed and a chandelier
a bathroom with a sink a toilet and shower
a bedroom with furniture and a window
a front view of a house with garden
a living room with fireplace furniture and a large window
a view of a swimming pool outdoor seating
a living room with furniture and a chandelier
a front view of house with yard and green space
a view of a lake with houses
a front view of a house with a yard
a view of an house with backyard of a house

Description

Experience lakeside luxury at its finest in this architecturally crafted Custom Home, featuring pristine shoreline and panoramic open-water views. Thoughtfully designed for both comfort and style, this residence offers a seamless blend of modern sophistication and natural beauty. An open floor plan with 10-foot ceilings and engineered white oak floors throughout creates a bright, airy flow, perfectly complemented by oversized windows and stacked sliding doors that blur the line between indoor and...Experience lakeside luxury at its finest in this architecturally crafted Custom Home, featuring pristine shoreline and panoramic open-water views. Thoughtfully designed for both comfort and style, this residence offers a seamless blend of modern sophistication and natural beauty. An open floor plan with 10-foot ceilings and engineered white oak floors throughout creates a bright, airy flow, perfectly complemented by oversized windows and stacked sliding doors that blur the line between indoor and outdoor living. The Gourmet Kitchen is a chef’s dream, showcasing Hi-end Monogram appliances, Walk-In Scullery/Pantry w/ additional dishwasher & sink, an oversized island with panel-ready finishes, undermount lighting, and custom cabinetry that continues throughout the home for a cohesive, elegant aesthetic. The Primary suite, located on the main level, impresses with a vaulted ceiling, dual-zone climate control, and open water views. The Primary ensuite bath features separate oversized vanities with quartz countertops and premium fixtures, oversized walk in shower w/ dual shower heads and frameless glass, with a connection straight to the walk in closet and laundry. Waterfront views from the Great Room create a seamless transition to the outdoor living area. The open-concept Great Room is centered around a custom built fireplace w/ designer cast stone surround, Built-in media wall with integrated sound system, and expansive stacked sliding glass doors opening to the covered patio. Each Bedroom is a private retreat, featuring a walk-in closet and ensuite custom bathrooms, and an oversized loft/bonus for ultimate comfort and convenience upstairs. Interior living space offers Custom Lighting, Sonos whole-home audio and Eero Network system for seamless connectivity, oversized stacked sliders and windows framing a stunning water view, and custom Cabinetry and detailed Millwork throughout. Covered outdoor living space includes Isokern ventless fireplace, In-ceiling heaters, Integrated AV system, Outdoor Kitchen featuring Bull appliances and Quartzite countertops
Additional home highlights include a whole-home AV package, offering seamless smart home integration and immersive entertainment throughout, High-Efficiency HVAC and Insulation package, Premium window and door systems for energy performance & sound reduction, Designer hardware and finishes throughout every space, and a large dropzone adjacent to the garage entrance. From its thoughtful craftsmanship to its breathtaking views, this home redefines waterfront living — blending timeless design, modern innovation, and effortless luxury in every detail. Lot is impervious exempt and a pool can be put in by buyers (Potential Pool Plan is in mls attachments) and the pool plan is in place with gas and electrical utilities pre-installed in the home already.
  1. Listed by Christy Walker • Keller Williams Lake Norman • christy@christywalker.com

Property Details for 21520 Rio Oro Drive

Architectural Style
Modern
Waterfront Features
Dock, Pier
View
Water
Parking Features
Driveway, Attached Garage, Garage Faces Side
Community Features
Lake Access, Picnic Area
Subdivision Name
Bahia Bay
LISTING UPDATED: 12/09/2025 11:16 AM

Property Details for 21520 Rio Oro Drive

StatusActive Under Contract
MLS #4318718
Days on Market12
Taxes-
HOA Fees$75 / year
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built2025
Lot Size0.23 AC / 10,018 SF
CountyMecklenburg County

Location

Listing Courtesy of Keller Williams Lake Norman
Add your commute

Building Information for 21520 Rio Oro Drive

Stories-Year Built2025Building Size-Lot Size0.23 AC / 10,018 SF

Payment Calculator

$17,695 per month

30 year fixed, 6.15% Interest

Principal and Interest

$17,056

Property Taxes

$633

HOA Dues

$6

The Payment Calculator is for illustrative purposes only.

Property Information for 21520 Rio Oro Drive

Summary
Location and General Information
  • Water Body Name: Lake Norman
  • Longitude: -80.887177
  • Zoning: GR
  • Latitude: 35.494133
Taxes and HOA Information
  • HOA YN: Yes
  • HOA Subject To: Required
  • HOA Annual Expense: $75.00
  • Tax Assessed Value: $947,800.00
  • Parcel Number: 001-297-16
  • City Taxes Paid To: Cornelius
School Information
  • Middle Or Junior School: Bailey
  • High School: William Amos Hough
  • Elementary School: Cornelius
Parking
  • Parking: Open Parking YN: No
  • Parking: Carport YN: No
  • Garage Spaces: 2.0
  • Garage YN: Yes
  • Garage Main Level YN: Yes
Property
Lot Information
  • Above Grade Finished Area: 3928.0
  • Below Grade Finished Area: 0.0
  • Builder Name: Cape Custom Homes LLC
  • Sq Ft Garage: 516
  • Sq Ft Lower: 0
  • Sq Ft Main: 2126
  • Sq Ft Third: 0
  • Sq Ft Unheated Main: 516
  • Sq Ft Unheated Total: 516
  • Sq Ft Unheated Upper: 0
  • Sq Ft Upper: 1802
  • Sq Ft Total Property HLA: 3928.0
  • Lot Features: Waterfront
  • Lot Size Units: Acres
  • Property Type: Residential
Property and Assessments
  • Geocode Confidence: High
  • Down Payment Resource YN: No
  • New Construction YN: No
  • Photos Count: 43
  • Road Responsibility: Publicly Maintained Road
  • Construction Type: Site Built
  • Assumable: No
  • Senior Community YN: No
  • Restrictions: Architectural Review
Utilities
  • Sewer: Public Sewer
  • Utilities: Electricity Connected, Fiber Optics, Natural Gas
  • Water Source: City
Interior and Exterior Features
Exterior Features
  • Fencing: Back Yard, Fenced
  • Construction Materials: Hard Stucco
  • Patio And Porch Features: Covered, Front Porch, Rear Porch
  • Road Surface Type: Concrete, Paved
  • Roof: Architectural Shingle, Metal
Interior Features
  • Appliances: Dishwasher, Disposal, Exhaust Hood, Gas Cooktop, Gas Water Heater, Microwave, Oven, Tankless Water Heater
  • Levels: Two
  • Other Equipment: Other - See Remarks
  • Cooling: Central Air
  • Heating: Heat Pump
  • Interior Features: Drop Zone, Entrance Foyer, Garden Tub, Kitchen Island, Open Floorplan, Walk-In Closet(s), Walk-In Pantry
  • Laundry Features: Electric Dryer Hookup, Laundry Room, Main Level, Sink
  • Fireplace Features: Gas, Gas Log, Great Room
  • Fireplace YN: Yes
  • Door Features: Pocket Doors, Sliding Doors
  • Window Features: Insulated Window(s)
  • Flooring: Tile, Wood
  • Foundation Details: Crawl Space
  • Basement YN: No
  • Bedroom Main: 1
  • Bedroom Upper: 3
  • Full Bath Main: 1
  • Full Bath Upper: 3
  • Half Bath Main: 1
  • Half Bath Upper: 0
Room Information
Room Information
  • Room Count: 16.0
Room 1
  • Room Types: Primary Bedroom
  • Room Level: Main
Room 2
  • Room Types: Kitchen
  • Room Level: Main
Room 3
  • Room Types: Great Room
  • Room Level: Main
Room 4
  • Room Types: Breakfast
  • Room Level: Main
Room 5
  • Room Types: Laundry
  • Room Level: Main
Room 6
  • Room Types: Bedroom(s)
  • Room Level: Upper
Room 7
  • Room Types: Bedroom(s)
  • Room Level: Upper
Room 8
  • Room Types: Bedroom(s)
  • Room Level: Upper
Room 9
  • Room Types: Flex Space
  • Room Level: Upper
Room 10
  • Room Types: Bathroom-Full
  • Room Level: Main
Room 11
  • Room Types: Bathroom-Full
  • Room Level: Upper
Room 12
  • Room Types: Bathroom-Full
  • Room Level: Upper
Room 13
  • Room Types: Bathroom-Full
  • Room Level: Upper
Room 14
  • Room Types: Bathroom-Half
  • Room Level: Main
Room 15
  • Room Types: Media Room
  • Room Level: Main
Room 16
  • Room Types: Office
  • Room Level: Upper
Rental
Rent Information
  • Security Features: Carbon Monoxide Detector(s), Security System, Smoke Detector(s)

Property History for 21520 Rio Oro Drive

DateEvent & SourcePriceAppreciation
Nov 23, 2025

Under Contract-Show

CANOPY #4318718

—
Nov 11, 2025

Listed (Active)

CANOPY #4318718

$3,499,500—
Sep 8, 2023

Closed (Public Record)

Public Record #1518003098

$725,000—
Sep 8, 2023

Closed

CANOPY #4022664

$725,000—
Jun 3, 2023

Price Change

CANOPY #4022664

$885,000—
May 4, 2023

Listed (Active)

CANOPY #4022664

$925,000—
DateEvent & SourcePrice
11/23/2025

Under Contract-Show

CANOPY #4318718

—
11/11/2025

Listed (Active)

CANOPY #4318718

$3,499,500
09/08/2023

Closed (Public Record)

Public Record #1518003098

$725,000
09/08/2023

Closed

CANOPY #4022664

$725,000
06/03/2023

Price Change

CANOPY #4022664

$885,000
05/04/2023

Listed (Active)

CANOPY #4022664

$925,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 21520 Rio Oro Drive

Taxable ValueLand$750,000Additions$407,900Total$1,157,900
Tax Record2024$7,598 ($633 / month)
Home Facts
Beds4Baths2Total Finished SqFt3,863 SqFtAbove Grade Finished SqFt3,863 SqFtStories2Lot Size10,528 SqFtStyleSingle Family ResidenceYear Built1976ZoningGRCountyMECKLENBURGAPN00129716Fireplace TypeHas Fireplace

Schools near 21520 Rio Oro Drive

This home is within Charlotte-Mecklenburg School District.
Rating
School
Type
Grades
Distance
Cornelius Elementary
Public - K to 5
Bailey Middle School
Public - 6 to 8
William Amos Hough High
Public - 9 to 12
Merancas Middle College High
Public - 11 to 13
Rating
School
Distance
Cornelius Elementary
PublicK to 5

Bailey Middle School
Public6 to 8

William Amos Hough High
Public9 to 12

Merancas Middle College High
Public11 to 13

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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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 Compass, Inc., 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. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

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 as of 01/14/2026 07:00 PM. All data is obtained from various sources and may not have been verified by broker orMLS GRID. Supplied Open House Information is subject to change without notice. All informationshould be independently reviewed and verified for accuracy. Properties may or may not be listed bythe office/agent presenting the information.