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21216 Rio Oro Drive

Cornelius, NC 28031

Active 4 days on market Listing ID CAR 315769487

$3,975,000
Est. $23,915/mo20% down · 6.5% · 30-yrAdjust
  • P&I$20,100
  • Taxes$2,484
  • Insurance$1,325
  • HOA$6

Principal, interest, property tax, insurance & HOA. Estimate only — not a loan offer.

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$766/Sq Ft

5 bd · 5 ba · 5,188 sqft · $766/sqft

5 Beds
5 Baths
5,188 Sq Ft
$766/Sq Ft
2026 Built
.23 acres Single Family Residence Bahia Bay Listed Sep 17, 2026 Updated Sep 18, 2026 HOA $75/yr

Waterfront

WaterLake Norman

HOA & Association

Dues$75/yrMonthly≈ $6/mo

About This Home

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.

Property history

  1. Sep 17, 2026
    Listed for sale $3,975,000 Active
    4 days on market
  2. Sep 14, 2026
    Status changed to Off Market $3,975,000 Off Market
    Active -> Off Market
  3. Aug 21, 2026
    Previously listed $3,975,000 Off Market
  4. Jan 27, 2025
    Sold $860,000 Closed
    Listed $885,000 · Sep 14, 2024 135 days on market
    Previously sold for $860,000
  5. Oct 7, 2024
    Price reduced $885,000 Closed
    Was $900,000
  6. Sep 14, 2024
    Previously listed $885,000 Closed

Property Details

Interior Details

Heating
  • Heat Pump
  • Natural Gas
Flooring
  • Tile
  • Wood
Room Count
18
Garage Sq Ft
649
Door Features
  • Pocket Doors
  • Sliding Doors
Half Bathrooms
1
Unheated Sq Ft
1402
Total Bathrooms
6
Window Features
  • Insulated Window(s)
Laundry Features
  • In Basement
  • Laundry Room
  • Upper Level
Main Level Sq Ft
1585
Basement Bedrooms
0
Interior Features
  • Drop Zone
  • Entrance Foyer
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Sauna
  • Storage
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Wet Bar
Main Level Garage
Yes
Security Features
  • Carbon Monoxide Detector(s)
Upper Level Sq Ft
2150
Fireplace Features
  • Family Room
  • Gas
Basement Full Baths
1
Basement Half Baths
0
Main Level Bedrooms
1
Unheated Main Sq Ft
845
Unheated Upper Sq Ft
235
Upper Level Bedrooms
4
Main Level Full Baths
1
Main Level Half Baths
1
Upper Level Full Baths
3
Upper Level Half Baths
0
Unheated Basement Sq Ft
322

Dwelling And Structure

Construction Type
Site Built
Proposed Completion Date
2026-09-16

Square Footage And Levels

Levels
  • Two
Above Grade Finished Area
3735
Below Grade Finished Area
1453

Parking And Garage

Parking Features
  • Driveway
  • Attached Garage

Exterior Features

Roof
  • Architectural Shingle
Exterior Features
  • In-Ground Irrigation
Construction Materials
  • Fiber Cement
  • Hard Stucco
Patio And Porch Features
  • Covered
  • Rear Porch

Lot And Land

Lot Features
  • Cleared
  • Waterfront
Lot Size Acres
0.23
Lot Size Units
Acres

Basement And Foundation

Basement
  • Daylight
  • Exterior Entry
  • Finished
  • Walk-Out Access
Foundation Details
  • Basement

Waterfront And View

View
  • Water
Waterfront Features
  • Boat Ramp – Community
  • Boat Slip (Deed)
  • Dock

Utilities

Sewer
  • Public Sewer
Utilities
  • Cable Available
  • Fiber Optics
  • Natural Gas
  • Underground Utilities
Water Source
  • City

Financial Information

Hoa Dues
Mandatory
City Taxes Paid To
Cornelius

Zoning And Restrictions

Zoning
GR
Restrictions
Architectural Review
Subject To Ccrs
Yes

Listed by Brian Adams (704-500-8754) · Adams and Collins Realty LLC (704-500-8754)

Location

Address
21216 Rio Oro Drive
City
Cornelius, NC 28031
Community
Bahia Bay
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Schools

Elementary
Cornelius
Middle
Bailey
High
William Amos Hough

School assignments may change. Contact the school district to confirm.

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