$1,200,000
SOLD JUN 24, 2022

21610 Rio Oro Dr Cornelius, NC 28031

4 Beds
3.5 Baths
3,808 Sq Ft
10,019 Sq Ft Lot

Recently Sold

$315 Per Sq Ft

10% Above List Price

2 Days on Market

Highlights

  • Pier or Dock
  • Waterfront
  • Community Lake
  • Bailey Middle School Rated A-
  • Open Floorplan
  • Deck

About This Home

As of June 2022

Welcome to fun lake living & beautiful sunsets in this beautiful waterfront home on Lake Norman! This newer built waterfront home is just what you've been looking for. Enter the inviting front entryway that leads to the living & kitchen area with stunning views of the lake! Deck off of living area perfect for enjoying outdoor dining or just relaxing. Primary bedroom with en suite on main with gorgeous views of the lake to wake up to! Walk downstairs to the large walk out finished basement great for entertaining with kitchenette. There are 2 additional bedrooms and a bathroom. Great flex room that can be used for almost anything. Home has hardwoods through out main living areas. Fenced backyard with 2 patio areas & a floating dock. Dredging done in 2020. Bahia Bay has a nice community area with boat ramp, picnic area and dock. Structural 2-10 warranty. Close to shopping, restaurants and easy access to I-77.

Last Agent to Sell the Property

Jacky Freeman

Allen Tate SouthPark License #282487 Listed on: 05/20/2022

Allen Tate SouthPark

Last Buyer's Agent

Debbie Monroe

Lake Norman Realty, Inc. License #106258

Lake Norman Realty, Inc.

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $7,564

Year Built

  • Built in 2020

Lot Details

  • Waterfront
  • Fenced
  • Zoning described as GR

HOA Fees

  • $6 Monthly HOA Fees

Home Design

  • Vinyl Siding
  • Stone Veneer
  • Cedar

Interior Spaces

  • Open Floorplan
  • Ceiling Fan
  • Pull Down Stairs to Attic
  • Home Security System

Kitchen

  • Built-In Self-Cleaning Oven
  • Electric Cooktop
  • Microwave
  • Plumbed For Ice Maker
  • Dishwasher
  • Kitchen Island

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Walk-In Closet

Laundry

  • Laundry Room
  • Electric Dryer Hookup

Parking

  • Attached Garage
  • Driveway

Outdoor Features

  • Deck
  • Patio

Schools

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

Utilities

  • Central Heating
  • Vented Exhaust Fan
  • Heat Pump System

Listing and Financial Details

  • Assessor Parcel Number 001-297-09

Community Details

Overview

  • Bahia Bay HOA, Phone Number (704) 674-9440
  • Bahia Bay Subdivision
  • Mandatory home owners association
  • Community Lake

Amenities

  • Picnic Area

Recreation

  • Pier or Dock

Home Details

Home Type

Single Family

Est. Annual Taxes

$7,564

Year Built

Built in 2020

Lot Details

0

HOA Fees

$6 per month

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Year Built: 2020
  • Ratio Current Price By Acre: 5217391.30
  • Restrictions: Other - See Media/Remarks
  • Special Assessment Yn: 0
  • Proposed Special Assessment Yn: 0
  • Road Surface Type: Concrete
  • Structure Type: One Story Basement
  • ResoPropertyType: Residential
  • Ratio CurrentPrice/TotalPropertyHLA: 315.13
  • Special Features: 4098

Interior Features

  • Foundation Details: Basement Fully Finished
  • Fireplace: No
  • Flooring: Carpet, Tile, Wood
  • Interior Amenities: Attic Stairs Pulldown, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)
  • Fixture Exception Yn: 1
  • Sq Ft Additional: 0
  • Lower Level Sq Ft: 0
  • Main Level Sq Ft: 1904
  • Third Level Sq Ft: 0
  • Sq Ft Unheated Basement: 0
  • Sq Ft Unheated Lower: 0
  • Sq Ft Unheated Main: 0
  • Sq Ft Unheated Third: 0
  • Sq Ft Unheated Total: 0
  • Sq Ft Unheated Upper: 0
  • Sq Ft Upper: 0
  • Porch: Back,Deck,Patio
  • Fixture Exception Description: Drapes, washer/dryer & downstairs fridge
  • Appliances: Ceiling Fan(s), CO Detector, Electric Cooktop, Dishwasher, Electric Dryer Hookup, Exhaust Fan, Plumbed For Ice Maker, Microwave, Refrigerator, Security System, Self Cleaning Oven, Wall Oven
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Below Grade Sq Ft: 1904
  • Living Area: 3808
  • Full Bathrooms: 2
  • Total Bedrooms: 2
  • Half Bathrooms: 1
  • Full Bathrooms: 1
  • Total Bedrooms: 2

Exterior Features

  • Exterior Features: Fence
  • New Construction: No
  • Roof: Shingle
  • Tax Location: Cornelius
  • Construction Type: Site Built
  • Water Body Name: Lake Norman
  • Waterfront Features: Boat Ramp – Community, Dock, Pier - Community
  • Construction Type: Cedar, Stone Veneer, Vinyl Siding

Garage/Parking

  • Main Level Garage YN: 1
  • Sq Ft Garage: 450
  • Parking Features: Attached Garage, Driveway, Garage - 2 Car

Utilities

  • Heating: Central, Heat Pump
  • Sewer: Public Sewer
  • Water Heater: Electric
  • Laundry Features: Main Level
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Lake, Picnic Area
  • Association Fee: 75
  • Association Fee Frequency: Annually
  • Hoa Subject To Dues: Mandatory
  • Association Name: Bahia Bay HOA
  • Phone: 704-674-9440
  • ResoAssociationFeeFrequency: Annually

Schools

  • Middle Or Junior School: Bailey
  • HOA Subject To: Required
  • CAR_YearlyHOAExpense: 75.00

Lot Info

  • Lot Features: Lake On Property, Lake Access, Waterfront, Year Round View
  • Lot Size Area: 0.23
  • Lot Size Units: Acres
  • Parcel Number: 001-297-09
  • Zoning Description: GR
  • ResoLotSizeUnits: Acres

Tax Info

  • RATIO List Price By Tax Amount: 1.43535

Multi Family

  • Unit Count: 0

MLS Schools

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

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
May 20, 2022
Closed on
Jun 24, 2022
Sold by
Armstrong Ewy and Armstrong Marca
Bought by
Karriker Marcela A
Seller's Agent
Jacky Freeman
Allen Tate SouthPark
Buyer's Agent
Debbie Monroe
Lake Norman Realty, Inc.
List Price
$1,089,000
Sold Price
$1,200,000
Premium/Discount to List
$111,000
10.19%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
14.78%
Original Mortgage
$760,000
Outstanding Balance
$724,352
Interest Rate
5.3%
Mortgage Type
New Conventional
Estimated Equity
$1,143,672

Purchase Details

Listed on
Jun 10, 2020
Closed on
Nov 10, 2020
Sold by
Wind And Water Development Llc
Bought by
Armstrong Ewy Marca and Ewy Kevin
Seller's Agent
Johnny Allen
Allen Hughes Realty, Inc
Buyer's Agent
Jacky Freeman
Allen Tate SouthPark
List Price
$799,990
Sold Price
$835,920
Premium/Discount to List
$35,930
4.49%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
25.00%
Original Mortgage
$630,000
Interest Rate
2.9%
Mortgage Type
New Conventional

Purchase Details

Closed on
Nov 15, 2019
Sold by
Oxending Family Limited Partnership
Bought by
Wind And Water Development Llc

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$474,560
Interest Rate
3.65%
Mortgage Type
Construction

Purchase Details

Closed on
Aug 19, 1994
Sold by
Oxendine Jesse E and Oxendine Jewell H
Bought by
Oxendine Family L P
Source: Public Records

Range of Values:

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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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

Property History

Date Event Price Change Sq Ft Price
09/03/2025 09/03/25 Price Changed $1,799,900 -5.3% $474 / Sq Ft
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)

Tax History Compared to Growth

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
2025 $7,564 $1,145,100 $675,000 $470,100
2024 $7,564 $1,145,100 $675,000 $470,100
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

Agents Affiliated with this Home

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Map

Source: Canopy MLS (Canopy Realtor® Association)

MLS Number: 3859974

Canopy MLS (Canopy Realtor® Association)

APN: 001-297-09