21520 Rio Oro Dr Cornelius, NC 28031
Estimated payment $18,918/month
Highlights
- Pier
- Waterfront
- Vaulted Ceiling
- Bailey Middle School Rated A-
- Open Floorplan
- Wood Flooring
About This Home
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.
Listing Agent
Keller Williams Lake Norman Brokerage Email: christy@christywalker.com License #202446 Listed on: 11/11/2025
Home Details
Home Type
- Single Family
Year Built
- Built in 2025
Lot Details
- Waterfront
- Back Yard Fenced
- Property is zoned GR
HOA Fees
- $6 Monthly HOA Fees
Parking
- 2 Car Attached Garage
- Driveway
Home Design
- Modern Architecture
- Architectural Shingle Roof
- Metal Roof
- Stucco
Interior Spaces
- 2-Story Property
- Open Floorplan
- Vaulted Ceiling
- Gas Log Fireplace
- Insulated Windows
- Pocket Doors
- Sliding Doors
- Mud Room
- Entrance Foyer
- Great Room with Fireplace
- Water Views
- Crawl Space
Kitchen
- Walk-In Pantry
- Oven
- Gas Cooktop
- Range Hood
- Microwave
- Dishwasher
- Kitchen Island
- Disposal
Flooring
- Wood
- Tile
Bedrooms and Bathrooms
- Walk-In Closet
- Garden Bath
Laundry
- Laundry Room
- Electric Dryer Hookup
Home Security
- Home Security System
- Carbon Monoxide Detectors
Outdoor Features
- Pier
- Access To Lake
- Covered Patio or Porch
Schools
- Cornelius Elementary School
- Bailey Middle School
- William Amos Hough High School
Utilities
- Central Air
- Heat Pump System
- Tankless Water Heater
- Gas Water Heater
- Fiber Optics Available
Listing and Financial Details
- Assessor Parcel Number 001-297-16
Community Details
Overview
- Built by Cape Custom Homes LLC
- Bahia Bay Subdivision
Amenities
- Picnic Area
Map
Home Values in the Area
Average Home Value in this Area
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 |
|---|---|---|---|---|
| 2025 | $6,269 | $1,157,900 | $750,000 | $407,900 |
| 2024 | $6,269 | $947,800 | $750,000 | $197,800 |
| 2023 | $6,269 | $947,800 | $750,000 | $197,800 |
| 2022 | $4,507 | $526,300 | $375,000 | $151,300 |
| 2021 | $4,455 | $526,300 | $375,000 | $151,300 |
| 2020 | $4,455 | $526,300 | $375,000 | $151,300 |
| 2019 | $4,449 | $526,300 | $375,000 | $151,300 |
| 2018 | $5,557 | $512,500 | $420,000 | $92,500 |
| 2017 | $5,515 | $512,500 | $420,000 | $92,500 |
| 2016 | $5,513 | $512,500 | $420,000 | $92,500 |
| 2015 | $5,433 | $512,500 | $420,000 | $92,500 |
| 2014 | $5,431 | $0 | $0 | $0 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 11/11/2025 11/11/25 | For Sale | $3,499,500 | +382.7% | $891 / Sq Ft | |
| 09/08/2023 09/08/23 | Sold | $725,000 | -18.1% | $499 / Sq Ft | View Prior Sale |
| 06/09/2023 06/09/23 | Pending | -- | -- | -- | |
| 06/03/2023 06/03/23 | Price Changed | $885,000 | -4.3% | $609 / Sq Ft | |
| 05/04/2023 05/04/23 | For Sale | $925,000 | -- | $637 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Quit Claim Deed | -- | None Listed On Document | |
| Warranty Deed | -- | None Listed On Document | |
| Interfamily Deed Transfer | -- | None Available | |
| Deed | -- | -- |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Previous Owner | $688,750 | New Conventional |
Source: Canopy MLS (Canopy Realtor® Association)
MLS Number: 4318718
APN: 001-297-16
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
Based on information submitted to the MLS GRID. 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. Some IDX listings have been excluded from this website.
The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked.
Notices must be sent in writing by email to DMCAnotice@MLSGrid.com.
The DMCA requires that your notice of alleged copyright infringement include the following information:
(1) description of the copyrighted work that is the subject of claimed infringement;
(2) description of the alleged infringing content and information sufficient to permit us to locate the content;
(3) contact information for you, including your address, telephone number and email address;
(4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law;
(5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and
(6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.
- 21617 Rio Oro Dr
- 21200 Rio Oro Dr
- 21300 Sandy Cove Rd
- 21311 Baltic Dr
- 21228 Lakeview Cir
- 20114 Norman Colony Rd
- 21316 Country Club Ln
- 20115 Henderson Rd Unit D
- 20115 Henderson Rd Unit H
- 19943 Catamaran Ct
- 20105 Chapel Point Ln
- 20721 Pointe Regatta Dr
- 22501 John Gamble Rd
- 21300 Carina Ln
- 20237 Harroway Dr
- 19329 Watermark Dr Unit 551/ 552
- 19329 Watermark Dr Unit 551
- 20340 Cathedral Oaks Dr
- 19739 Valiant Way
- 20314 Colony Point Ln
- 21222 Nautique Blvd
- 19827 Henderson Rd Unit B
- 21516 Delftmere Dr
- 19831 Henderson Rd Unit E
- 19839 Henderson Rd Unit M
- 20705 Sterling Bay Ln E
- 19532 One Norman Blvd
- 19546 Greentree Way Unit 203
- 19546 Greentree Way Unit 202
- 19546 Greentree Way Unit 201
- 1044 Southwest Dr Unit 44
- 1329 Torrence Cir
- 1133 Torrence Cir
- 1133 Torrence Cir
- 1125 Torrence Cir Unit 67
- 1140 Torrence Cir Unit 82
- 19815 N Ferry St
- 19813 N Ferry St
- 19401 Carrington Club Dr
- 763 Southwest Dr Unit 14