Justine Brawley

21216 Rio Oro Drive

Cornelius, NC
$ 3,975,000 Beds 5 Baths 5.5 Sq 5,188
Monthly Estimate* How much can I afford?

Waterfront living on Lake Norman takes on a whole new meaning in this exceptional custom home in Cornelius. Designed for the way you actually want to live, entertain, work, and unwind, every level of this home has been thoughtfully planned with incredible attention to detail. From the moment you enter through the dramatic 10-foot custom Clark Hall steel door, the quality is unmistakable. Soaring 12-foot ceilings, wide-plank European white oak floors, custom millwork, a striking wine wall, diamond-coffered ceiling, and oversized arched openings set the tone, while expansive quad-stack sliders create a seamless connection between the home, outdoor living spaces, and water beyond. At the heart of the home, the kitchen combines high-end design with exceptional functionality. Custom two-tone inset cabinetry, white oak accents, a substantial Azurra Bay quartzite island with 2.5-inch mitered edge, panel-ready appliances, and an oversized Venetian plaster range hood create a beautiful gathering space overlooking the lake. Just beyond is a hidden pantry/scullery that feels like a second kitchen, complete with custom cabinetry, a full-size refrigerator, second dishwasher, microwave, and abundant storage. One of the most thoughtfully designed features of the main level is the private guest suite with its own beautifully finished en-suite bath and oversized walk-in shower. Whether hosting family, long-term guests, or creating a private space for multigenerational living, guests can enjoy their own retreat without sacrificing privacy. Upstairs, the primary suite feels like a true escape, with gorgeous sliders leading to a private balcony overlooking the lake. It's the perfect spot to unwind at night. Two oversized custom closets with integrated LED lighting, and a spa-inspired bath with marble tile, floor-to-ceiling glass shower, custom cabinetry, dual vanities, and beautiful gold fixtures complete this retreat. Three additional bedrooms and a generously sized laundry room with extensive cabinetry and storage complete the upper level. But the lower level is where this home truly becomes something special. Designed as an extension of the home’s entertaining space rather than simply a finished basement, it includes a full custom golf simulator, built-in sauna, private home office, second laundry room, and a beautifully appointed kitchenette with ice maker and wine cooler. Quad-stack sliders open the entire space to the lower terrace, while an accordion-style pass-through window from the kitchenette makes indoor/outdoor entertaining effortless. With room for a future pool just outside, this level was designed with lake days, pool parties, game days, and evenings with friends in mind. The second laundry room is an especially thoughtful addition for lake and future pool towels without carrying everything through the home. Outside, professionally landscaped grounds lead to a peaceful Lake Norman cove and new private dock, putting the water just steps from your door. The 3 covered rear porch provides another place to relax, dine, and enjoy the setting, while the future pool area offers the opportunity to create a complete waterfront resort experience. From two laundry rooms and exceptional storage to the hidden scullery, private office, golf simulator, sauna, guest suite, custom architectural details, and multiple indoor/outdoor entertaining spaces, no detail feels like an afterthought. This is a home designed not simply to look beautiful, but to live beautifully. Located in Bahia Bay in Cornelius, this is an opportunity to enjoy the Lake Norman lifestyle in one of the area’s most sought-after waterfront locations—minutes from dining, shopping, medical care, and everything Cornelius has to offer. Exceptional craftsmanship, thoughtful design, and waterfront living come together in a home that truly needs to be experienced in person.

Single Family

  • Price
  • $ 3,975,000
  • City
  • Cornelius
  • Bedrooms
  • 5
  • Full Bathrooms
  • 5
  • County
  • MECKLENBURG
  • Half Bathrooms
  • 1
  • Area
  • Mecklenburg County
  • Lot Size
  • 0.23 Acres
  • Zip
  • 28031
  • Sqr Footage
  • 5,188
  • Year Built
  • 2026
  • Style
  • MLS#
  • 4425303
Listed By: Adams and Collins Realty LLC; bwadams85@gmail.com
Data Source: Canopy MLS

Features

General

Living Area 5188
Sewer Public Sewer
Heating Heat Pump,Natural Gas
Cooling Central Air
Utilities Cable Available,Fiber Optics,Natural Gas,Underground Utilities
Roof Architectural Shingle
Appliances Bar Fridge,Dishwasher,Disposal,Double Oven,Exhaust Hood,Freezer,Gas Cooktop,Gas Water Heater,Ice Maker,Microwave
Development Status Completed
Zoning GR
HOA Fee 75
Garage Spaces 2
Patio/Porch Features Covered,Rear Porch
Security Features Carbon Monoxide Detector(s)
Construction Materials Fiber Cement,Hard Stucco
Year Built 2026
View Water
Levels Two
Property Subtype Single Family Residence
Parcel Number 00129740
Waterfront Features Boat Ramp – Community,Boat Slip (Deed),Dock
Community Features Lake Access,Picnic Area
Assoc Fee Paid Per Annually
County Mecklenburg
New Construction Yes
Property Type Residential
HOA Yes
Subdivision Name Bahia Bay
Garage Y/N Yes
Full Baths 5
High School William Amos Hough
City Cornelius
Body of Water Lake Norman
Association Name Bahia Bay HOA
Senior Community Y/N No
Lot Size Units Acres
Carport Y/N No
Elementary School Cornelius
Middle/Junior High School Bailey
Additional Parcels Y/N No
Builder Name BWA Builders LLC
Standard Status Active
CAR_HOASubjectTo Required
Construction Type Site Built
Restrictions Architectural Review
Tax Assessed Value 877500
Listing Terms Cash,Conventional,VA Loan

Interior Features

Interior Amenities Drop Zone,Entrance Foyer,Kitchen Island,Open Floorplan,Pantry,Sauna,Storage,Walk-In Closet(s),Walk-In Pantry,Wet Bar
Basement Daylight,Exterior Entry,Finished,Walk-Out Access
Flooring Tile,Wood
Fireplace Features Family Room,Gas
Basement (Y/N) Yes
Window Features Insulated Window(s)
Fireplace Y/N Yes
Above Grade Finished Area 3735
Half Baths 1
Laundry Features In Basement,Laundry Room,Upper Level
Total Bedrooms 5
Below Grade Finished Area 1453
Total Baths 6
SqFt Main 1585
SqFt Garage 649
SqFt Upper 2150
Bedroom 1

Exterior Features

Exterior Amenities In-Ground Irrigation
Parking Features Driveway,Attached Garage
Lot Features Cleared,Waterfront
Water Source City
Lot Size Area 0.23
Foundation Details Basement
Road Surface Type Concrete,Paved
Door Features Pocket Doors,Sliding Doors
Road Responsibility Publicly Maintained Road
Main Level Garage YN Yes

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

9/17/2026 Listed $3,975,000

Property vs Zip Code Average in 28031

Price
AVG $1.99M
$3.98M
Year Built
AVG 1998
2026
Visits
AVG 245
3
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

21216 Rio Oro Drive Cornelius, NC is a Single Family Home for sale at $3975000 with 5188 sqft and a lot size of 0.23 Acres Acre(s). 21216 Rio Oro Drive Cornelius has 5 bedrooms, 5 baths and was built in 2026. 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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