$1,899,900
$50K PRICE DROP

21610 Rio Oro Dr Cornelius, NC 28031

Estimated payment $10,978/month

Total Views 13,058
5 Beds
3.5 Baths
3,799 Sq Ft
$500 Price per Sq Ft

Highlights

  • Pier
  • Heated In Ground Pool
  • Open Floorplan
  • Bailey Middle School Rated A-
  • Waterfront
  • Transitional Architecture

About This Home

Enjoy the ultimate Lake Norman lifestyle in this rare waterfront home in the peaceful Bahia Bay community. With direct lake access, a floating dock (dredged in 2020), and Bahia Bay’s private boat ramp, community dock, and picnic area, this home is perfect for lake lovers. Take in beautiful lake views from the open-concept living and kitchen area, flowing onto a large deck ideal for outdoor dining and sunsets. The main-level primary suite features serene water views and an en suite bath. The finished walk-out basement adds a kitchenette, three bedrooms, two baths, a flex room, and a spacious entertainment area. Hardwood floors on the main level and a fenced backyard with patio complete this lakeside retreat. Whether you’re boating, entertaining, or relaxing by the water, this home offers the full Lake Norman experience.

Listing Agent

Sunny Yates

Yates Realty Inc Brokerage Email: Sunny@YatesRealty.com License #202205 Listed on: 05/20/2025

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $7,444

Year Built

  • Built in 2020

Lot Details

  • Waterfront
  • Back Yard Fenced
  • Property is zoned GR

HOA Fees

  • $6 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Driveway

Home Design

  • Transitional Architecture
  • Vinyl Siding

Interior Spaces

  • 1-Story Property
  • Open Floorplan
  • Great Room with Fireplace
  • Water Views
  • Finished Basement
  • Walk-Out Basement

Kitchen

  • Microwave
  • Dishwasher
  • Kitchen Island

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • Split Bedroom Floorplan
  • Walk-In Closet

Pool

  • Heated In Ground Pool
  • Fence Around Pool

Outdoor Features

  • Pier
  • Patio
  • Rear Porch

Schools

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

Utilities

  • Forced Air Heating and Cooling System
  • Gas Water Heater
  • Cable TV Available

Community Details

  • Bahia Bay Subdivision
  • Mandatory home owners association

Listing and Financial Details

  • Assessor Parcel Number 001-297-09

Home Details

Home Type

Single Family

Est. Annual Taxes

$7,444

Year Built

Built in 2020

Lot Details

0

HOA Fees

$6 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Architectural Style: Transitional
  • Year Built: 2020
  • Road Surface Type: Concrete, Paved
  • Unit Levels: One
  • Ratio CurrentPrice/TotalPropertyHLA: 500.11
  • Geocode Confidence: High
  • Attribution Contact: Sunny@YatesRealty.com
  • Special Features: None

Interior Features

  • Foundation Details: Basement
  • Fireplace: Yes
  • Flooring: Carpet, Hardwood, Tile
  • Interior Amenities: Cable Prewire, Kitchen Island, Open Floorplan, Pantry, Split Bedroom, Walk-In Closet(s)
  • Lower Level Sq Ft: 1900
  • Main Level Sq Ft: 1899
  • Third Level Sq Ft: 0
  • Sq Ft Unheated Total: 0
  • Sq Ft Upper: 0
  • Appliances: Dishwasher, Gas Water Heater, Ice Maker, Microwave
  • Above Grade Finished Sq Ft: 3799
  • Has Basement: Finished, Walk-Out Access
  • Basement YN: Yes
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 5
  • Fireplace Features: Great Room
  • Living Area: 3799
  • Bedroom Main: 2
  • Room Count: 19
  • Bedroom Basement: 3

Exterior Features

  • Exterior Features: Dock - Floating
  • New Construction: No
  • Construction Type: Site Built
  • Fencing: Back Yard
  • Pool Features: Fenced, Heated, In Ground
  • View: Water
  • Water Body Name: Lake Norman
  • Waterfront Features: Dock, Pier
  • Construction Type: Vinyl
  • Patio And Porch Features: Patio, Rear Porch

Garage/Parking

  • Main Level Garage YN: 1
  • Sq Ft Garage: 452
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Open Parking: No
  • Parking Features: Driveway, Attached Garage

Utilities

  • Heating: Central, Forced Air
  • Sewer: Public Sewer
  • Laundry Features: Mud Room
  • Cooling: Central Air
  • Utilities: Electricity Connected, Natural Gas
  • Water Source: City

Condo/Co-op/Association

  • Association Fee: 75
  • Association Fee Frequency: Annually
  • Hoa Subject To Dues: Mandatory
  • Senior Community: No

Association/Amenities

  • Association Annual Expense: 75.00

Schools

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

Lot Info

  • Lot Features: Waterfront
  • Lot Size Area: 0.23
  • Lot Size Units: Acres
  • Parcel Number: 001-297-09
  • Zoning: GR
  • Additional Parcels: No
  • Zoning Specification: GR

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
2023 $7,444 $1,145,100 $675,000 $470,100
2022 $6,480 $758,700 $375,000 $383,700
2021 $6,404 $758,700 $375,000 $383,700
2020 $3,146 $375,000 $375,000 $0
2019 $3,146 $375,000 $375,000 $0
2018 $3,019 $280,000 $280,000 $0
2017 $2,998 $280,000 $280,000 $0
2016 $2,998 $280,000 $280,000 $0
2015 -- $280,000 $280,000 $0
2014 $2,956 $0 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
07/14/2025 07/14/25 Price Changed $1,899,900 -5.0% $500 / Sq Ft
05/20/2025 05/20/25 For Sale $1,999,900 +66.7% $526 / Sq Ft
06/24/2022 06/24/22 Sold $1,200,000 +10.2% $315 / Sq Ft
05/22/2022 05/22/22 Pending -- -- --
05/20/2022 05/20/22 For Sale $1,089,000 +30.3% $286 / Sq Ft
11/10/2020 11/10/20 Sold $835,920 +4.5% $224 / Sq Ft
06/27/2020 06/27/20 Pending -- -- --
06/18/2020 06/18/20 For Sale $799,990 0.0% $214 / Sq Ft
06/12/2020 06/12/20 Pending -- -- --
06/10/2020 06/10/20 For Sale $799,990 -- $214 / Sq Ft
Source: Canopy MLS (Canopy Realtor® Association)

Purchase History

Date Type Sale Price Title Company
Warranty Deed $1,200,000 Master Title
Warranty Deed $836,000 Master Title Agency Llc
Warranty Deed $215,000 Master Title
Deed -- --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $760,000 New Conventional
Previous Owner $630,000 New Conventional
Previous Owner $474,560 Construction
Source: Public Records

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Source: Canopy MLS (Canopy Realtor® Association)

MLS Number: 4258966

Canopy MLS (Canopy Realtor® Association)

APN: 001-297-09