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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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21216 Rio Oro Dr , Cornelius, NC 28031
$3,975,000
Est. Payment: $20,361.89/mo
5 Bed
6 Bath
5188 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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Terri Bias
Operator/Brokerage Owner

House Description

Designed for those who recognize exceptional architecture, craftsmanship, and enduring design, this extraordinary Lake Norman waterfront residence represents a rare caliber of new construction—where every material, proportion, and finish has been considered with intention. From soaring 12-foot ceilings and wide-plank European white oak flooring to custom millwork and statement architectural elements, the home embodies quiet, sophisticated luxury that feels both elevated and effortlessly livable. A dramatic 10-foot custom steel entry door by Clark Hall creates an unmistakable sense of arrival. Beyond, expansive entertaining spaces are framed by oversized arched cased openings and distinguished by a custom diamond-coffered ceiling and limestone fireplace surround. A 10-foot quad-stack sliding door system disappears seamlessly into the architecture, opening the main living space to the rear terrace and creating an extraordinary connection to the lake beyond. The kitchen pairs custom two-tone and inset white oak cabinetry with a striking 2.5-inch mitered-edge island, panel-ready appliances, and an oversized Venetian plaster range hood. Walls of windows surround the breakfast area, filling the space with natural light while drawing the eye toward the landscaped grounds and Lake Norman. A concealed scullery is as beautiful as it is functional. A full-size second refrigerator, second panel-ready dishwasher, microwave, extensive custom cabinetry, generous storage allowing the primary kitchen to remain pristine whether hosting an intimate dinner or large gathering. The main level also offers a private guest suite with a beautifully appointed en suite bath featuring an oversized walk-in shower wrapped in floor-to-ceiling tile. A sophisticated powder room is discreetly positioned near the foyer for added privacy. Upstairs, the primary suite is conceived as a private retreat, with an expansive bedroom opening onto a secluded balcony overlooking the grounds and lake. The spa-inspired bath features a generously scaled marble-tile shower enclosed in floor-to-ceiling glass, a distinctive custom tile pattern, dual inset vanities with decorative backsplash detail and luxury gold fixtures, and oversized custom walk-in closets illuminated by integrated LED lighting. Three additional bedrooms and a spacious laundry room with abundant cabinetry and storage complete the upper level. The finished lower level transforms the home into a true lifestyle destination. A luxury golf simulator anchors the entertainment spaces, while another expansive quad-stack sliding door system opens effortlessly to the outdoors. A beautifully appointed kitchenette features an ice maker and wine cooler, complemented by an accordion-style pass-through window connecting directly to the outdoor entertaining area. A private office and dedicated wellness room with sauna complete this level, offering exceptional spaces for work, recreation, wellness, and relaxation. Outside, a covered rear porch overlooks a peaceful Lake Norman cove and professionally landscaped grounds designed for refined, low-maintenance living. A new private dock places boating and lake life just steps from the back door. The property also offers the opportunity to add a pool, creating the potential for an even more extraordinary private waterfront retreat. While the setting feels secluded, some of the area’s finest conveniences are remarkably close. Boutique shopping, dining, and the vibrant pickleball and social scene at Serve are all just minutes away. Every great lake destination has a community that signals what comes next. Along the shoreline of Lake Norman, Bahia Bay is emerging as that address—a setting where architecturally significant custom residences are redefining waterfront living and shaping the future of one of North Carolina’s most celebrated lake communities. Exceptional architecture. Uncompromising craftsmanship waterfront living. You’ll love living here.

Highlights

Listed by Brian Adams , 704-500-8754 Adams and Collins Realty LLC , 704-500-8754. Canopy MLS mls logo

Property Type

Residential

Lot/Acreage
0.23

HOA Fee

75 Annually

Year Built

2026

County

Mecklenburg

Neighborhood

Bahia Bay

Listing ID

4416878

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:5
  • Bathrooms:6
  • Full Bathrooms:5
  • 1/2 Bathrooms:1
Appliances:Bar Fridge, Convection Microwave, Dishwasher, Disposal, Double Oven, Electric Oven, Exhaust Fan, Exhaust Hood, Freezer, Gas Cooktop, Ice Maker, Microwave, Refrigerator with Ice Maker, Tankless Water Heater, Wine Refrigerator
Air Cond:Central Air
Fireplaces:Family Room
Floor:Hardwood
Above Ground Sq Ft:3735
Below Ground Sq Ft:1453
Basement:Daylight,Exterior Entry,Finished,Interior Entry,Storage Space,Walk-Out Access
Other:
  • Additional:Attic Stairs Pulldown, Attic Walk In, Built-in Features, Drop Zone, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Sauna, Storage, Walk-In Closet(s), Walk-In Pantry, Has Fireplace
Water:City

Exterior Features

Lot:Views,Waterfront,Boat Ramp – Community,Dock,Pier - Community
Zoning:GR
Roof:Architectural Shingle
Others:
  • Additional:Dock - Floating, In-Ground Irrigation, Sauna
Sewer:Public Sewer
Parking Features:Driveway
Principal Interest
$20,362
Taxes
$2,534
HOA
$75

Home Price

$3,975,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$795,000
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:
$20,361.89

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $20,361.89 $2,534.06 $75.00 $22,970.95
Yearly $244,342.66 $30,408.75 $900.00 $275,651.41
Total $7,330,279.88 $912,262.50 $27,000.00 $8,269,542.38

Today's Rates

30 Year

6.63%

20 Year

6.38%

15 Year

6%

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Market insight data is pulled from the same city as the listing being viewed (Cornelius, 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

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