Welcome Home ! - 21624 Rio Oro Drive, Cornelius
Welcome Home! - 21624 Rio Oro Drive, Cornelius
Lake Norman - 21624 Rio Oro Drive, Cornelius
Lake Norman - 21624 Rio Oro Drive, Cornelius
Outdoor Covered Patio - 21624 Rio Oro Drive, Cornelius
Covered Patio Sitting Area - 21624 Rio Oro Drive, Cornelius
Outdoor Kitchen Patio with Heaters!! - 21624 Rio Oro Drive, Cornelius
Kitchen showing island with wine fridge - 21624 Rio Oro Drive, Cornelius
Kitchen - 21624 Rio Oro Drive, Cornelius
Single Family Residence at 21624 Rio Oro Drive, Cornelius, photo 10 of 42
Kitchen - Large Sitting Counter Area - 21624 Rio Oro Drive, Cornelius
Kitchen - With Built in Refrigerator - 21624 Rio Oro Drive, Cornelius
Community Access Lot - 21624 Rio Oro Drive, Cornelius
Great Room - 21624 Rio Oro Drive, Cornelius
Community Access Lot - 21624 Rio Oro Drive, Cornelius
Great Room Gas fireplace - 21624 Rio Oro Drive, Cornelius
Great Room with Dining Area - 21624 Rio Oro Drive, Cornelius
Dining Table - 21624 Rio Oro Drive, Cornelius
Loft Area - 21624 Rio Oro Drive, Cornelius
Community Boat Ramp - 21624 Rio Oro Drive, Cornelius
Master Bedroom - 21624 Rio Oro Drive, Cornelius
Community Swim Area - 21624 Rio Oro Drive, Cornelius
Master Bath - 21624 Rio Oro Drive, Cornelius
Second Bedroom First Floor - 21624 Rio Oro Drive, Cornelius
First Floor Full Bath - 21624 Rio Oro Drive, Cornelius
Community Water Spigot - 21624 Rio Oro Drive, Cornelius
Bedroom 3 Lower Level - 21624 Rio Oro Drive, Cornelius
Rear View of Home From Water - 21624 Rio Oro Drive, Cornelius
Backyard with Fence to Water - 21624 Rio Oro Drive, Cornelius
Single Family Residence at 21624 Rio Oro Drive, Cornelius, photo 30 of 42
Boat Dock with Lift - 21624 Rio Oro Drive, Cornelius
Patio Next to Water and Dock - 21624 Rio Oro Drive, Cornelius
Single Family Residence at 21624 Rio Oro Drive, Cornelius, photo 33 of 42
Sandy Beach Area with Fire Pit - 21624 Rio Oro Drive, Cornelius
Ariel View of Lot - 21624 Rio Oro Drive, Cornelius
Entrance to Community Access Lot - 21624 Rio Oro Drive, Cornelius
Community Access Lot Boat Ramp - 21624 Rio Oro Drive, Cornelius
Community NEW Dock - 21624 Rio Oro Drive, Cornelius
Sitting Area for Sunsets at Community Access Lot - 21624 Rio Oro Drive, Cornelius
Community NEW Day Dock - 21624 Rio Oro Drive, Cornelius
Access Lot Grass Area - 21624 Rio Oro Drive, Cornelius
Picnic Area at Access Lot - 21624 Rio Oro Drive, Cornelius
42 photos

$1,079,000

21624 Rio Oro Drive
Cornelius, NC 28031
Listed by Kimberly Thayer · Real Broker, LLC
Bedrooms
3
Bathrooms
2
Living area
1,962 sqft
Year built
1979

About this home

LAKE NORMAN WATERFRONT IN CORNELIUS FOR $1,079,000!! Location, location, location! Enjoy the best of Lake Norman living from this waterfront home in the highly desirable Bahia Bay community. Ideally situated in a peaceful cove just off the main channel, you can enjoy quieter water at home while still being only minutes by boat from waterfront dining and entertainment. The outdoor living space is designed for relaxing and entertaining, with expansive lake views, a spacious covered porch, outdoor kitchen, gas grill and refrigerator. Outdoor gas heater for those cooler evenings. A private dock, electric boat lift and jet ski ramp/lift make it easy to take full advantage of life on the water. Inside, the home offers three levels of living space with a flexible layout, custom finishes and plenty of room for family and guests. The main level features open-concept living, while the primary suite is privately located upstairs. Additional highlights include a fenced backyard with automatic gate, HVAC replaced in 2020, and roof and exterior paint completed in 2022. Bahia Bay also offers a community boat launch, docks and picnic area. Leave the car at home—bike or take the golf cart to nearby shopping centers, grocery stores, restaurants and everyday conveniences, all just minutes away. With quick access to I-77, shopping, dining, Birkdale Village and everything Cornelius and Lake Norman have to offer, this location is hard to beat.

Highlights

Fireplace

Property details

MLS
Canopy MLS
MLS #
CAR4419384
Property type
Single Family Residence
Subdivision
Bahia Bay
Status
Active
Days on market
34
On market date
September 5, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
1
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
1.5 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
3.27 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
18.09 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 34 days -- 55 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
$6,648/mo
$215,800 down
$863,200 loan
Principal & interest$5,599
Property tax (est.)$899
Home insurance (est.)$150

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Data source: Listing information provided by Canopy MLS (carolina) via Trestle/CoreLogic. Last updated 7 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.