$950,000
OPEN SAT 12PM - 3PM

20615 Rio Oro Dr Cornelius, NC 28031

Estimated payment $5,572/month

Total Views 86
4 Beds
3.5 Baths
2,711 Sq Ft
$350 Price per Sq Ft

Highlights

  • Water Views
  • Pier or Dock
  • Open Floorplan
  • Bailey Middle School Rated A-
  • Access To Lake
  • Deck

About This Home

The best of Lake Norman living—without the waterfront price tag! Discover the perfect blend of elegance ,comfort, and Lake Norman lifestyle in this immaculate water view home in Bahia Bay. The expansive gourmet kitchen showcases premium finishes, sleek blk stainless-steel appliances and farmhouse sink. The open floor plan creates a light-filled, spacious home with 10' ceilings on the main & 9' on the upper level along with modern 5 and 6 panel doors & custom window shades throughout. The primary suite is a true retreat, featuring a spa-inspired bath w/oversized shower and luxurious rain shower head. Unique to the property is a private guest quarters —ideal for extended family, visitors, or home office. Soak in tranquil lake views from your upper/lower decks complete with privacy shades. Enjoy the convenience of Bahia Bay day-use boat dock, ramps, and direct lake access just minutes away. This home offers it all in convenience and luxury with the added plus of amazing SUNSET views!

Listing Agent

Angela Cook

Southern Homes of the Carolinas, Inc Brokerage Email: angela@vivalakenorman.com License #224456 Listed on: 08/20/2025

Open House Schedule

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $4,664

Year Built

  • Built in 2022

Lot Details

  • Level Lot
  • Property is zoned GR

HOA Fees

  • $6 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Garage Door Opener
  • Driveway

Home Design

  • Brick Exterior Construction
  • Hardboard

Interior Spaces

  • 2-Story Property
  • Open Floorplan
  • Wired For Data
  • Ceiling Fan
  • Insulated Windows
  • Mud Room
  • Living Room with Fireplace
  • Vinyl Flooring
  • Water Views
  • Crawl Space
  • Pull Down Stairs to Attic
  • Electric Dryer Hookup

Kitchen

  • Built-In Self-Cleaning Double Oven
  • Electric Oven
  • Electric Cooktop
  • Range Hood
  • Microwave
  • Dishwasher
  • Kitchen Island
  • Disposal

Bedrooms and Bathrooms

  • Walk-In Closet

Accessible Home Design

  • More Than Two Accessible Exits
  • Flooring Modification

Outdoor Features

  • Access To Lake
  • Balcony
  • Deck
  • Covered Patio or Porch

Additional Homes

  • Separate Entry Quarters

Schools

  • Cornelius Elementary School
  • Bailey Middle School
  • William Amos Hough High School

Utilities

  • Forced Air Zoned Heating and Cooling System
  • Heat Pump System
  • Electric Water Heater
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 001-291-03

Community Details

Overview

  • Bahia Bay HOA
  • Bahia Bay Subdivision
  • Mandatory home owners association

Amenities

  • Picnic Area

Recreation

  • Pier or Dock
  • Recreation Facilities

Home Details

Home Type

Single Family

Est. Annual Taxes

$4,664

Year Built

Built in 2022

Lot Details

0

HOA Fees

$6 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Year Built: 2022
  • Second Living Quarters: Exterior Connected,Interior Connected,Room w/ Private Bath,Separate Entrance,Separate Living Quarters,Upper Level Garage
  • Road Surface Type: Concrete, Paved
  • Unit Levels: Two
  • Ratio CurrentPrice/TotalPropertyHLA: 280.48
  • Geocode Confidence: High
  • Attribution Contact: angela@vivalakenorman.com
  • Special Features: 4097

Interior Features

  • Foundation Details: Crawl Space
  • Fireplace: Yes
  • Flooring: Vinyl
  • Interior Amenities: Attic Stairs Pulldown, Cable Prewire, Drop Zone, Kitchen Island, Open Floorplan, Walk-In Closet(s)
  • Lower Level Sq Ft: 0
  • Main Level Sq Ft: 1770
  • Third Level Sq Ft: 0
  • Sq Ft Unheated Main: 540
  • Sq Ft Unheated Total: 540
  • Sq Ft Upper: 941
  • Appliances: Dishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, Exhaust Hood, Microwave, Oven, Refrigerator with Ice Maker, Self Cleaning Oven, Wall Oven
  • Other Equipment: Network Ready
  • Above Grade Finished Sq Ft: 2711
  • Accessibility Features: Two or More Access Exits, Mobility Friendly Flooring
  • Basement YN: No
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Fireplace Features: Electric, Living Room
  • Living Area: 2711
  • Window Features: Insulated Window(s)
  • Bedroom Main: 1
  • Room Count: 16
  • Sq Ft Other: 676

Exterior Features

  • New Construction: No
  • Roof: Shingle
  • Construction Type: Site Built
  • View: Long Range, Water
  • Water Body Name: Lake Norman
  • Waterfront Features: Boat Ramp – Community, Boat Slip – Community, Dock, Paddlesport Launch Site - Community, Pier - Community
  • Construction Type: Brick Partial, Hardboard Siding, Shingle/Shake
  • Patio And Porch Features: Balcony, Covered, Deck, Front Porch, Side Porch

Garage/Parking

  • Main Level Garage YN: 1
  • Sq Ft Garage: 540
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Open Parking: No
  • Parking Features: Driveway, Attached Garage, Garage Door Opener, Garage Faces Side

Utilities

  • Heating: Heat Pump, Zoned
  • Sewer: Public Sewer
  • Laundry Features: Electric Dryer Hookup, Laundry Room
  • Cooling: Ceiling Fan(s), Central Air, Zoned
  • Water Source: City

Condo/Co-op/Association

  • Community Features: Lake Access, Picnic Area, Recreation Area
  • Association Fee: 75
  • Association Fee Frequency: Annually
  • Hoa Subject To Dues: Mandatory
  • Senior Community: No
  • Association Name: Bahia Bay HOA

Association/Amenities

  • Association Annual Expense: 75.00

Schools

  • Middle Or Junior School: Bailey
  • HOA Subject To: Required

Lot Info

  • Lot Features: Level, Views
  • Lot Size Area: 0.23
  • Lot Size Units: Acres
  • Parcel Number: 001-291-03
  • Zoning: GR
  • Additional Parcels: No
  • Zoning Specification: GR

Green Features

  • Green Verification Count: 0

MLS Schools

  • Elementary School: Cornelius
  • High School: William Amos Hough

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $4,664 $703,200 $160,000 $543,200
2023 $3,517 $544,300 $160,000 $384,300
2022 $637 $75,000 $75,000 $0
2021 $629 $75,000 $75,000 $0
2020 $629 $75,000 $75,000 $0
2019 $629 $75,000 $75,000 $0
2018 $647 $60,000 $60,000 $0
2017 $642 $60,000 $60,000 $0
2016 $642 $60,000 $60,000 $0
2015 $633 $60,000 $60,000 $0
2014 $633 $0 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/20/2025 08/20/25 For Sale $950,000 +20.3% $350 / Sq Ft
06/02/2023 06/02/23 Sold $790,000 -2.3% $248 / Sq Ft
04/10/2023 04/10/23 Price Changed $809,000 -1.9% $254 / Sq Ft
03/24/2023 03/24/23 Price Changed $825,000 -2.9% $259 / Sq Ft
02/10/2023 02/10/23 For Sale $850,000 -- $267 / Sq Ft
Source: Canopy MLS (Canopy Realtor® Association)

Purchase History

Date Type Sale Price Title Company
Warranty Deed $790,000 None Listed On Document
Warranty Deed $150,000 Investors Title Insurance Co
Warranty Deed $81,000 None Available
Deed -- Atlantis Title Co
Warranty Deed $28,000 --
Warranty Deed $40,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $83,050 Purchase Money Mortgage
Source: Public Records

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Source: Canopy MLS (Canopy Realtor® Association)

MLS Number: 4291867

Canopy MLS (Canopy Realtor® Association)

APN: 001-291-03