Agent profile image in chat bubble
Agent profile image in chat header

Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

Agent profile image in message

16312 Cozy Cove Rd , Charlotte, NC 28278
$2,750,000
Est. Payment: $14,086.84/mo
6 Bed
7 Bath
6218 Sqft
Status: active | Days on site: 266
Get Pre-Qualified
VCR-C15903466 - VCR-C159091383,VCR-C159052275
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Terri Bias, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.
Agent profile image
Terri Bias
Operator/Brokerage Owner

House Description

Imagine a home that adapts perfectly to your lifestyle, offering three entirely separate living quarters without sacrificing a drop of luxury or lakefront charm. This 6,200-square-foot residence is a masterclass in versatility, designed specifically for multi-generational living or hosting guests with total independence. The finished walk-out lower level serves as a complete second home with its own full kitchen, two bedrooms, and two bathrooms, while a private upstairs apartment offers a third full kitchen and a dedicated bedroom suite. The lifestyle here revolves around the water. Step outside to a resort-style backyard where an inground pool and spa overlook your private dock, tucked away on a serene lake cove. Whether you’re launching a boat for a sunset cruise or enjoying a quiet morning on the screened porch, the connection to the water is seamless. Inside, the main level acts as a sophisticated central hub. A two-story great room with a three-sided fireplace creates a dramatic focal point, flowing into a chef’s kitchen designed for large-scale entertaining. The primary suite is also conveniently situated on the main floor, offering a secluded retreat with direct access to the expansive outdoor living areas. Located near the Palisades but notably free from HOA restrictions, this property offers a rare sense of privacy and freedom. You’ll enjoy the feeling of a secluded getaway while just a short drive from Charlotte’s premier dining, medical centers, and the international airport. It’s more than just a home; it’s a flexible, waterfront sanctuary built for the way you live today.

Highlights

Listed by Robyn Riordan , 704-905-4991 COMPASS , 704-234-7880. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
1.01

Year Built

2019

County

Mecklenburg

Neighborhood

None

Listing ID

4321861

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:7
  • Full Bathrooms:5
  • 1/2 Bathrooms:2
Appliances:Dishwasher, Disposal, Electric Oven, Exhaust Hood, Gas Cooktop, Refrigerator, Tankless Water Heater, Wine Refrigerator
Air Cond:Central Air,Heat Pump,Multi Units
Fireplaces:Den,Gas Log,Gas Starter,Great Room,See Through
Floor:Carpet,Tile,Wood
Above Ground Sq Ft:4793
Below Ground Sq Ft:1425
Basement:Apartment,Basement Garage Door,Daylight,Interior Entry,Partially Finished,Storage Space,Walk-Out Access
Other:
  • Additional:Attic Walk In, Cable Prewire, Garden Tub, Kitchen Island, Open Floorplan, Pantry, Split Bedroom, Walk-In Closet(s), Walk-In Pantry, Has Fireplace, Master on Main
Water:City

Exterior Features

Lot:Waterfront,Dock
Lot Dimensions:291x172x100x40x214
Roof:Architectural Shingle
Others:
  • Additional:Fire Pit, Dock - Floating, Gas Grill, In-Ground Irrigation
Sewer:Public Sewer
Parking Features:Attached Garage,Garage Door Opener,Garage Faces Side,Garage Shop,Golf Cart Garage
Principal Interest
$14,087
Taxes
$1,753

Home Price

$2,750,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$550,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$14,086.84

Principal

Taxes

Principal Taxes HOA Total
Monthly $14,086.84 $1,753.13 $0.00 $15,839.97
Yearly $169,042.09 $21,037.50 $0.00 $190,079.59
Total $5,071,262.81 $631,125.00 $0.00 $5,702,387.81

Today's Rates

30 Year

6.63%

20 Year

6.38%

15 Year

6%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Aug 2026

Average Price

All Price Ranges
N/A
Aug 2026

Average Days on Market

All Price Ranges
N/A
Aug 2026
Market insight data is pulled from the same city as the listing being viewed (Charlotte, NC).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Terri Bias and Associates | PLACE nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.
Listings courtesy of Canopy MLS as distributed by MLS GRID

IDX service by Blueroof 360

Data last updated: 2026-08-24T14:14:07.000Z

© 2026 Canopy MLS

MLS Logo - Canopy MLS