Justine Brawley

21123 Rio Oro Drive

Cornelius, NC
$ 590,000 Beds 3 Baths 3 Sq 2,497
Monthly Estimate* How much can I afford?

Lake Norman Living at an Unbeatable Value - Welcome to Bahia Bay. Nestled on nearly half an acre of wooded land in the sought-after Bahia Bay community, this charming 3-bedroom, 3-bath home puts the best of Lake Norman right at your fingertips - without the waterfront price tag. Enjoy exclusive community access to a boat ramp, dock, paddlesport launch, and a lakefront picnic area that will make every weekend feel like a vacation. Inside, the open-concept main level is designed for easy living. The two-story family room flows seamlessly into the dining area and a chef-inspired kitchen features gleaming granite countertops and a spacious island perfect for entertaining. The owner's suite is conveniently located on the main level, offering privacy and comfort. Upstairs, two generously sized bedrooms share a full bath - ideal for family, guests, or a home office setup. The finished basement adds valuable flex space, ready to become your home gym, media room, or playroom. Step outside to enjoy front and rear porch decks, and gather around the fire pit in your private, wooded backyard - a true outdoor retreat. Pull right into the oversized concrete driveway with room for 3+ vehicles and head straight to the water. With easy access to all that Lake Norman has to offer, this home checks every box. Lake life is calling - come answer it.

Single Family

  • Price
  • $ 590,000
  • City
  • Cornelius
  • Bedrooms
  • 3
  • Full Bathrooms
  • 3
  • County
  • MECKLENBURG
  • Half Bathrooms
  • 0
  • Area
  • Mecklenburg County
  • Lot Size
  • 0.494 Acres
  • Zip
  • 28031
  • Sqr Footage
  • 2,497
  • Year Built
  • 1983
  • Style
  • MLS#
  • 4387095
Listed By: EXP Realty LLC Ballantyne; 704-396-4100
Data Source: Canopy MLS

Features

General

Living Area 2497
Sewer Septic Installed
Heating Central
Cooling Ceiling Fan(s),Central Air,Ductless
Roof Architectural Shingle
Appliances Dishwasher,Disposal,Exhaust Fan,Freezer,Gas Cooktop,Gas Oven,Microwave,Oven,Refrigerator,Self Cleaning Oven,Washer/Dryer
Zoning GR
HOA Fee 75
Patio/Porch Features Deck,Patio,Rear Porch
Security Features Smoke Detector(s)
Construction Materials Stone Veneer,Vinyl
Year Built 1983
Levels Two
Property Subtype Single Family Residence
Parcel Number 001-294-04
Waterfront Features Beach - Public,Boat Lift – Community,Boat Ramp – Community,Boat Slip – Community,Paddlesport Launch Site - Community,Pier - Community
Community Features Picnic Area,Recreation Area
Assoc Fee Paid Per Annually
County Mecklenburg
New Construction No
Property Type Residential
HOA Yes
Subdivision Name Bahia Bay
Garage Y/N No
Full Baths 3
High School William Amos Hough
City Cornelius
Body of Water Lake Norman
Association Name Bahia Bay HOA
Senior Community Y/N No
Open Parking Spaces 6
Lot Size Units Acres
Carport Y/N No
Elementary School Cornelius
Middle/Junior High School Bailey
Additional Parcels Y/N No
Standard Status Active
CAR_HOASubjectTo Required
Construction Type Site Built
Tax Assessed Value 461700

Interior Features

Interior Amenities Attic Other,Breakfast Bar,Built-in Features,Kitchen Island,Open Floorplan,Pantry,Walk-In Closet(s),Walk-In Pantry
Basement Basement Shop,Storage Space,Walk-Out Access
Flooring Bamboo,Carpet,Laminate,Tile,Vinyl,Wood
Basement (Y/N) Yes
Fireplace Y/N No
Above Grade Finished Area 1954
Laundry Features In Basement,Lower Level
Total Bedrooms 3
Below Grade Finished Area 543
Total Baths 3
SqFt Main 1333
SqFt Upper 621
Bedroom 1

Exterior Features

Exterior Amenities Fire Pit
Fencing Partial
Parking Features Driveway
Lot Features Private,Sloped,Wooded
Water Source Community Well
Lot Size Area 0.494
Foundation Details Basement
Road Surface Type Concrete
Road Responsibility Publicly Maintained Road
Main Level Garage YN No

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Mooresville, NC office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

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

Price History

5/29/2026 Listed $645,000
6/25/2026 2% - $635,000
7/31/2026 4% - $615,000
8/20/2026 2% - $605,000
9/9/2026 3% - $590,000

Property vs Zip Code Average in 28031

Price
AVG $2.01M
$590K
Year Built
AVG 1998
1983
Visits
AVG 245
329
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

21123 Rio Oro Drive Cornelius, NC is a Single Family Home for sale at $590000 with 2497 sqft and a lot size of 0.494 Acres Acre(s). 21123 Rio Oro Drive Cornelius has 3 bedrooms, 3 baths and was built in 1983. The property's zip code is 28031 which is in Cornelius, NC

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Justine Brawley

Justine Brawley

704-677-3034

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