Welcome to 21200 Rio Oro, Cornelius on beautiful Lake Norman.  Easterly view looking down the channel. - 21200 Rio Oro Drive, Cornelius
Immediate access to the main channel and all the amenities Lake Norman offers. - 21200 Rio Oro Drive, Cornelius
Welcome to 21200 Rio Oro Drive, Cornelius.  Beautifully renovated home inside and outside including upgraded drainage and sealed crawl space area. - 21200 Rio Oro Drive, Cornelius
Aerial view of this wonderful property showing the fenced back yard, outdoor living spaces, and the floating boat dock with DOUBLE boat parking areas in a Deep dredged cove. - 21200 Rio Oro Drive, Cornelius
Spectacular oversized upper deck entertaining with water views. - 21200 Rio Oro Drive, Cornelius
Upper deck lounging area with water views. - 21200 Rio Oro Drive, Cornelius
Enjoy eating outdoors under this vaulted covered eating area. - 21200 Rio Oro Drive, Cornelius
On the lower level is a paver patio with outdoor firepit area for relaxing at sunset. - 21200 Rio Oro Drive, Cornelius
View of the backyard from the upper deck. - 21200 Rio Oro Drive, Cornelius
Outdoor oasis with lots of room to be outside in your private backyard. - 21200 Rio Oro Drive, Cornelius
Imagine hanging out entertaining family/friends in this beautiful waterfront outdoor space. - 21200 Rio Oro Drive, Cornelius
Private floating dock with room to dock two boats in a deep cove. Boats able to get out even during this last drought. - 21200 Rio Oro Drive, Cornelius
Enter the front door to the remodeled Open concept living area. - 21200 Rio Oro Drive, Cornelius
View of the open concept floorplan with upgraded lvp flooring, newly painted, and upgraded lighting. - 21200 Rio Oro Drive, Cornelius
Family room with built in cabinetry for additional storage and access to the upper deck with water views. - 21200 Rio Oro Drive, Cornelius
Family Room is open to the remodeled Kitchen. - 21200 Rio Oro Drive, Cornelius
View from the sliding glass doors back into the Family room, dining space, and Kitchen. - 21200 Rio Oro Drive, Cornelius
You will love cooking and entertaining in this remodeled Kitchen with serving island and ample cabinet and countertop space. - 21200 Rio Oro Drive, Cornelius
Renovated Kitchen with serving island and updated cabinetry and lighting. - 21200 Rio Oro Drive, Cornelius
Chef quality Stainless Steel appliances make this Kitchen a lovely place to prepare meals. - 21200 Rio Oro Drive, Cornelius
Primary Bedroom with upgraded lvp flooring, upper windows for light and privacy, and newer sliding glass door to the upper deck. Upper deck was constructed for a hot tub. - 21200 Rio Oro Drive, Cornelius
Primary Bedroom with sliding glass doors to the upper deck. - 21200 Rio Oro Drive, Cornelius
Large Primary Bedroom with a walk in closet and Ensuite bath. - 21200 Rio Oro Drive, Cornelius
Primary Ensuite Bath with lvp flooring, tiled half walls, newer double vanity, and walk in shoer with glass doors. - 21200 Rio Oro Drive, Cornelius
On the other side of the primary bath is a make up vanity, garden tub with tiled surround. - 21200 Rio Oro Drive, Cornelius
Primary ensuite bath with walk in shower. - 21200 Rio Oro Drive, Cornelius
Primary ensuite bath with double vanity and a separate make up vanity for ample space. - 21200 Rio Oro Drive, Cornelius
Primary bedroom with walk in closet, - 21200 Rio Oro Drive, Cornelius
Split bedroom floor plan leads to a very large second bedroom with large adjacent room perfect for a study or additional storage space. - 21200 Rio Oro Drive, Cornelius
Large second bedroom. - 21200 Rio Oro Drive, Cornelius
The second bedrooms flex space perfect for an office, additional walk in closet, or storage area. - 21200 Rio Oro Drive, Cornelius
Second Full Bath with dual vanity for bedrooms #2*3 - 21200 Rio Oro Drive, Cornelius
Second full bath with walk in shower with glass doors. - 21200 Rio Oro Drive, Cornelius
Hallway area to the third bedroom and laundry room is another great space for an office space and storage. - 21200 Rio Oro Drive, Cornelius
Oversized Bedroom #3 with lvp flooring, and enough space to add a third bath if buyer decides to add one. - 21200 Rio Oro Drive, Cornelius
View of Bedroom #3 looking into the large room. - 21200 Rio Oro Drive, Cornelius
Bedroom #3 features two double door closets - 21200 Rio Oro Drive, Cornelius
You will love this Laundry Room with a drop zone. - 21200 Rio Oro Drive, Cornelius
Walk in Laundry Roo with cabinetry. - 21200 Rio Oro Drive, Cornelius
Another outdoor view from the upper deck. - 21200 Rio Oro Drive, Cornelius
Outside upper deck views - 21200 Rio Oro Drive, Cornelius
Lower outdoor paver patio area with a firepit and seating area. - 21200 Rio Oro Drive, Cornelius
A rough outline of the property lines and water frontage. - 21200 Rio Oro Drive, Cornelius
Arieal view of the private floating dock with space to park two boats. - 21200 Rio Oro Drive, Cornelius
44 photos

$1,224,900

21200 Rio Oro Drive
Cornelius, NC 28031
Listed by Christy Walker · Premier Sotheby's International Realty
Bedrooms
3
Bathrooms
2
Living area
2,048 sqft
Year built
1979

About this home

Experience the best of Lake Norman living in this charming waterfront home nestled in a peaceful, quiet cove in desirable Cornelius. Perfectly positioned with easy access to the main channel, this exceptional location is just minutes from shopping, dining, entertainment, I-77, and a convenient commute to Charlotte and surrounding areas. This beautifully updated ranch home features a sought-after split-bedroom floor plan with 3 bedrooms and 2 bathrooms, offering comfort, privacy, and effortless single-level living. Designed for both everyday living and entertaining, the thoughtfully renovated chef's kitchen showcases stunning quartz countertops, a large center island, abundant custom cabinetry, a five-burner gas cooktop, double wall ovens, a stylish tile backsplash, and upgraded lighting. The spacious primary suite serves as a private retreat, complete with direct access to a secluded deck, a walk-in closet, and designer lighting. The luxurious ensuite bath creates a spa-like experience with a soaking tub, walk-in shower, dual vanities, and elegant finishes. Step outside and embrace the ultimate waterfront lifestyle. A private deep-water dock and pier accommodate up to two boats, making it easy to enjoy everything Lake Norman has to offer. Relax on the expansive covered deck overlooking the tranquil cove, or gather with family and friends around the fire pit on the spacious paver patio while taking in beautiful water views stretching toward the main channel. Whether you're seeking a full-time residence or the perfect lake retreat, this exceptional home offers the ideal blend of luxury, comfort, and convenience. This is Lake Norman living at its finest.

Property details

MLS
Canopy MLS
MLS #
CAR4396261
Property type
Single Family Residence
Subdivision
Bahia Bay
Status
Active
Days on market
73
On market date
July 21, 2026
Stories
N/A
Total bathrooms
2
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
1.69 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
3.46 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
18.28 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 73 days -- 16 fewer days than Cornelius's current average of 89 days.
For reference, the median list price across 272 active listings in Cornelius right now is $432,000.

Mortgage calculator

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Est. monthly payment
$7,526/mo
$244,980 down
$979,920 loan
Principal & interest$6,356
Property tax (est.)$1,021
Home insurance (est.)$150

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Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated 14 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.