21600 Rio Oro Dr, Unit 45

Cornelius, NC 28031

$1,500,000
Price
3
Beds
2,882 Sq. Ft.
$520 / Sq. Ft.
2,882
Sq. Ft.
$520
per Sq. Ft.

Description

Rare Lake Norman lakefront opportunity in Bahia Bay! This .23-acre waterfront property features a large U-shaped 3 boat slip dock with permit, offering incredible potential for renovation or new construction. The home has updated floors throughout most of the home and new tile in all bathrooms, but overall needs TLC. Sold as-is with no repairs to be made by seller. Excellent option for investors or custom builds. Convenient Cornelius location with quick commute to Charlotte. Unlock the potential...Rare Lake Norman lakefront opportunity in Bahia Bay! This .23-acre waterfront property features a large U-shaped 3 boat slip dock with permit, offering incredible potential for renovation or new construction. The home has updated floors throughout most of the home and new tile in all bathrooms, but overall needs TLC. Sold as-is with no repairs to be made by seller. Excellent option for investors or custom builds. Convenient Cornelius location with quick commute to Charlotte. Unlock the potential of lakefront living in one of Lake Norman’s established communities.
  1. Listed by Tess Davidson • The Firm Real Estate • tesschason@gmail.com

Property Details for 21600 Rio Oro Drive, Unit 45

Architectural Style
Cottage
Waterfront Features
Boat Ramp – Community, Dock, Pier - Community
View
Water, Year Round
Parking Features
Driveway, Parking Space(s), RV Access/Parking
Community Features
Lake Access, Picnic Area, Street Lights, Other
Subdivision Name
Bahia Bay
LISTING UPDATED: 02/11/2026 02:37 PM

Property Details for 21600 Rio Oro Drive, Unit 45

StatusActive
MLS #4344956
Days on Market1
Taxes-
HOA Fees$75 / year
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1977
Lot Size0.23 AC / 10,018 SF
CountyMecklenburg County

Location

Listing Courtesy of The Firm Real Estate
Add your commute

Building Information for 21600 Rio Oro Drive, Unit 45

Stories-Year Built1977Building Size-Lot Size0.23 AC / 10,018 SF

Payment Calculator

$7,317 per month

30 year fixed, 6.15% Interest

Principal and Interest

$7,311

Property Taxes

$0

HOA Dues

$6

The Payment Calculator is for illustrative purposes only.

Property Information for 21600 Rio Oro Drive, Unit 45

Summary
Location and General Information
  • Water Body Name: Lake Norman
  • Longitude: -80.886252
  • Zoning: GR
  • Latitude: 35.494505
Taxes and HOA Information
  • HOA YN: Yes
  • HOA Name: Bahia Bay HOA
  • HOA Phone: 704-299-2222
  • HOA Subject To: Required
  • HOA Subject To Dues: Mandatory
  • HOA Annual Expense: $75.00
  • Tax Assessed Value: $898,000.00
  • Parcel Number: 001-297-11
  • 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: Other: Long, wide paved driveway can fit multiple vehicles.
  • Parking: Carport YN: No
  • Garage YN: No
  • Garage Main Level YN: No
Property
Lot Information
  • Above Grade Finished Area: 2882.0
  • Below Grade Finished Area: 0.0
  • Sq Ft Lower: 1221
  • Sq Ft Main: 1661
  • Sq Ft Third: 0
  • Sq Ft Unheated Total: 0
  • Sq Ft Upper: 0
  • Sq Ft Total Property HLA: 2882.0
  • 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: 15
  • Road Responsibility: Publicly Maintained Road
  • Construction Type: Site Built
  • Assumable: No
  • Senior Community YN: No
  • Plat Book Slide: 14-339
  • Restrictions: Rental – See Restrictions Description
  • Restrictions Description: HOA does not allow short term rentals in this community.
Green Features
  • Green Verification Count: 0
Utilities
  • Sewer: Septic Installed, Sewage Pump
  • Utilities: Natural Gas
  • Water Source: Community Well, Other - See Remarks
Interior and Exterior Features
Exterior Features
  • Exterior Features: Dock - Floating
  • Construction Materials: Brick Partial, Vinyl
  • Patio And Porch Features: Deck, Rear Porch
  • Pool Private YN: No
  • Road Surface Type: Concrete
  • Roof: Architectural Shingle
  • Other Structures: Shed(s)
Interior Features
  • Appliances: None
  • Levels: One
  • Cooling: Central Air, Electric
  • Heating: Central, Heat Pump
  • Interior Features: Attic Other, Attic Stairs Pulldown, Walk-In Closet(s)
  • Laundry Features: Inside, Laundry Room, Main Level
  • Fireplace Features: Bonus Room, Family Room, Gas, Gas Log
  • Fireplace YN: Yes
  • Door Features: Sliding Doors
  • Flooring: Tile, Vinyl
  • Foundation Details: Basement
  • Basement YN: Yes
  • Basement Features: Daylight, Exterior Entry, Walk-Out Access
  • Bedroom Main: 3
  • Full Bath Lower: 1
  • Full Bath Main: 2
  • Half Bath Main: 0
Room Information
Room Information
  • Room Count: 11.0
Room 1
  • Room Types: Primary Bedroom
  • Room Level: Main
Room 2
  • Room Types: Bedroom(s)
  • Room Level: Main
Room 3
  • Room Types: Bedroom(s)
  • Room Level: Main
Room 4
  • Room Types: Bathroom-Full
  • Room Level: Main
Room 5
  • Room Types: Bathroom-Full
  • Room Level: Main
Room 6
  • Room Types: Great Room
  • Room Level: Main
Room 7
  • Room Types: Flex Space
  • Room Level: Basement
Room 8
  • Room Types: Flex Space
  • Room Level: Basement
Room 9
  • Room Types: Flex Space
  • Room Level: Basement
Room 10
  • Room Types: Bathroom-Full
  • Room Level: Basement
Room 11
  • Room Types: Sunroom
  • Room Level: Basement

Property History for 21600 Rio Oro Drive, Unit 45

DateEvent & SourcePriceAppreciation
Feb 10, 2026

Listed (Active)

CANOPY #4344956

$1,500,000—
DateEvent & SourcePrice
02/10/2026

Listed (Active)

CANOPY #4344956

$1,500,000

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

Schools near 21600 Rio Oro Drive, Unit 45

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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More information about 21600 Rio Oro Drive, Unit 45, Cornelius, NC 28031

21600 Rio Oro Drive, Unit 45 is a single family home for sale in Cornelius, NC 28031. This property was listed for sale on February 10, 2026 by The Firm Real Estate, it's currently listed at $1,500,000. This listing's school district is Charlotte-Mecklenburg School District. Nearby schools include Cornelius Elementary, Bailey Middle School and William Amos Hough High. 21600 Rio Oro Drive, Unit 45 is a 3-bed, 3-bath, 2,882 sqft single family home built in 1977.

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 The Firm Real Estate

Based on information submitted to the MLS GRID as of 02/11/2026 02:37 PM. 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. Properties displayed may be listed or sold by various participants in the MLS. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. Use of the MLS GRID data may be subject to an end user license agreement prescribed by the applicable MLS of the Member Participant, if any, and as amended from time to time.