Single Family Residence at 21123 Rio Oro Drive, Cornelius
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 2 of 42
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 3 of 42
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 4 of 42
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 5 of 42
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 6 of 42
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 7 of 42
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 8 of 42
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 9 of 42
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 10 of 42
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 11 of 42
Dining Area - 21123 Rio Oro Drive, Cornelius
Living Room - 21123 Rio Oro Drive, Cornelius
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 14 of 42
Living Room - 21123 Rio Oro Drive, Cornelius
Dining Area - 21123 Rio Oro Drive, Cornelius
Guest Full Bath - 21123 Rio Oro Drive, Cornelius
Guest Full Bath - 21123 Rio Oro Drive, Cornelius
Kitchen - 21123 Rio Oro Drive, Cornelius
Kitchen - 21123 Rio Oro Drive, Cornelius
Pantry - 21123 Rio Oro Drive, Cornelius
Hallway leading to Owner's Suite - 21123 Rio Oro Drive, Cornelius
Single Family Residence at 21123 Rio Oro Drive, Cornelius, photo 23 of 42
Owner's Suite - 21123 Rio Oro Drive, Cornelius
Owner's Suite - 21123 Rio Oro Drive, Cornelius
Living Room - 21123 Rio Oro Drive, Cornelius
Upstairs walkway - 21123 Rio Oro Drive, Cornelius
Guest Bedroom - 21123 Rio Oro Drive, Cornelius
Guest Bedroom - 21123 Rio Oro Drive, Cornelius
Guest Bedroom - 21123 Rio Oro Drive, Cornelius
Upstairs bathroom - 21123 Rio Oro Drive, Cornelius
Upstairs Bathroom - 21123 Rio Oro Drive, Cornelius
Guest Bedroom - 21123 Rio Oro Drive, Cornelius
Guest Bedroom - 21123 Rio Oro Drive, Cornelius
Guest Bedroom - 21123 Rio Oro Drive, Cornelius
Finished lower level, flex space - 21123 Rio Oro Drive, Cornelius
Finished lower level, flex space - 21123 Rio Oro Drive, Cornelius
unfinished Basement area - 21123 Rio Oro Drive, Cornelius
unfinished Basement area - 21123 Rio Oro Drive, Cornelius
Laundry in Basement - 21123 Rio Oro Drive, Cornelius
unfinished Basement area - 21123 Rio Oro Drive, Cornelius
Exterior front door - 21123 Rio Oro Drive, Cornelius
42 photos

$570,000

21123 Rio Oro Drive
Cornelius, NC 28031
Listed by Alison Alston · EXP Realty LLC Ballantyne
Bedrooms
3
Bathrooms
3
Living area
2,497 sqft
Year built
1983

About this home

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.

Property details

MLS
Canopy MLS
MLS #
CAR4387095
Property type
Single Family Residence
Subdivision
Bahia Bay
Status
Active
Days on market
144
On market date
May 29, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
N/A
Parking spaces
N/A
Lot size
N/A
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
Cornelius Elementary
1.62 mi away · Grades 0-5
Zoned school (attendance boundary, 2015-16 data)
4.0
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
554
Student:teacher ratio
15.0:1
District
Charlotte-Mecklenburg Schools
Middle
Bailey Middle
3.39 mi away · Grades 6-8
Zoned school (attendance boundary, 2015-16 data)
3.7
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: B (2025)
Enrollment
1,370
Student:teacher ratio
17.3:1
District
Charlotte-Mecklenburg Schools
High
Cato Middle College High School
18.22 mi away · Grades 11-13
Zoned school (attendance boundary, 2015-16 data)
3.8
Local Score (state rating (2025) blended 70/30 with student-teacher ratio) -- not an official state rating
State rating: A (2025)
Enrollment
166
Student:teacher ratio
41.5:1
District
Charlotte-Mecklenburg Schools

Walkability

Blended score for Cornelius's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

42
Somewhat walkable
out of 100
EPA National Walkability Index
9.5 / 20 -- Below average walkable
Google Places amenity density
33 / 100
Restaurants & cafes1
Grocery stores0
Parks3
Schools3
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in Cornelius, from live MLS data.

On the market 144 days -- 53 more days than Cornelius's current average of 91 days.
For reference, the median list price across 269 active listings in Cornelius right now is $425,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$3,583/mo
$114,000 down
$456,000 loan
Principal & interest$2,958
Property tax (est.)$475
Home insurance (est.)$150

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Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated 2 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.