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

21216 Rio Oro Dr , Cornelius, NC 28031
$3,975,000
Est. Payment: $22,339.64/mo
5 Bed
6 Bath
5188 Sqft
0.23 Acres
Status: active | Days on site: 6
Get Pre-Qualified
R04673 - 82118
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

Waterfront living on Lake Norman takes on a whole new meaning in this exceptional custom home in Cornelius. Designed for the way you actually want to live, entertain, work, and unwind, every level of this home has been thoughtfully planned with incredible attention to detail. From the moment you enter through the dramatic 10-foot custom Clark Hall steel door, the quality is unmistakable. Soaring 12-foot ceilings, wide-plank European white oak floors, custom millwork, a striking wine wall, diamond-coffered ceiling, and oversized arched openings set the tone, while expansive quad-stack sliders create a seamless connection between the home, outdoor living spaces, and water beyond. At the heart of the home, the kitchen combines high-end design with exceptional functionality. Custom two-tone inset cabinetry, white oak accents, a substantial Azurra Bay quartzite island with 2.5-inch mitered edge, panel-ready appliances, and an oversized Venetian plaster range hood create a beautiful gathering space overlooking the lake. Just beyond is a hidden pantry/scullery that feels like a second kitchen, complete with custom cabinetry, a full-size refrigerator, second dishwasher, microwave, and abundant storage. One of the most thoughtfully designed features of the main level is the private guest suite with its own beautifully finished en-suite bath and oversized walk-in shower. Whether hosting family, long-term guests, or creating a private space for multigenerational living, guests can enjoy their own retreat without sacrificing privacy. Upstairs, the primary suite feels like a true escape, with gorgeous sliders leading to a private balcony overlooking the lake. It's the perfect spot to unwind at night. Two oversized custom closets with integrated LED lighting, and a spa-inspired bath with marble tile, floor-to-ceiling glass shower, custom cabinetry, dual vanities, and beautiful gold fixtures complete this retreat. Three additional bedrooms and a generously sized laundry room with extensive cabinetry and storage complete the upper level. But the lower level is where this home truly becomes something special. Designed as an extension of the home’s entertaining space rather than simply a finished basement, it includes a full custom golf simulator, built-in sauna, private home office, second laundry room, and a beautifully appointed kitchenette with ice maker and wine cooler. Quad-stack sliders open the entire space to the lower terrace, while an accordion-style pass-through window from the kitchenette makes indoor/outdoor entertaining effortless. With room for a future pool just outside, this level was designed with lake days, pool parties, game days, and evenings with friends in mind. The second laundry room is an especially thoughtful addition for lake and future pool towels without carrying everything through the home. Outside, professionally landscaped grounds lead to a peaceful Lake Norman cove and new private dock, putting the water just steps from your door. The 3 covered rear porch provides another place to relax, dine, and enjoy the setting, while the future pool area offers the opportunity to create a complete waterfront resort experience. From two laundry rooms and exceptional storage to the hidden scullery, private office, golf simulator, sauna, guest suite, custom architectural details, and multiple indoor/outdoor entertaining spaces, no detail feels like an afterthought. This is a home designed not simply to look beautiful, but to live beautifully. Located in Bahia Bay in Cornelius, this is an opportunity to enjoy the Lake Norman lifestyle in one of the area’s most sought-after waterfront locations—minutes from dining, shopping, medical care, and everything Cornelius has to offer. Exceptional craftsmanship, thoughtful design, and waterfront living come together in a home that truly needs to be experienced in person.

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

4425303

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:6
  • ▪ Full Bathrooms:5
  • ▪ 1/2 Bathrooms:1
Appliances:Bar Fridge, Dishwasher, Disposal, Double Oven, Exhaust Hood, Freezer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave
Air Cond:Central Air
Fireplaces:Family Room,Gas
Floor:Tile,Wood
Above Ground Sq Ft:3735
Below Ground Sq Ft:1453
Basement:Daylight,Exterior Entry,Finished,Walk-Out Access
Other:
  • ▪ Additional:Drop Zone, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Sauna, Storage, Walk-In Closet(s), Walk-In Pantry, Wet Bar, Has Fireplace
Water:City

Exterior Features

Lot:Cleared,Waterfront,Boat Ramp – Community,Boat Slip (Deed),Dock
Zoning:GR
Roof:Architectural Shingle
Others:
  • ▪ Additional:In-Ground Irrigation
Sewer:Public Sewer
Parking Features:Driveway,Attached Garage
Principal Interest
$22,340
Taxes
$2,534
HOA
$75

Home Price

$3,975,000

Loan Details

30 yrs
7.548%

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:
$22,339.64

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $22,339.64 $2,534.06 $75.00 $24,948.70
Yearly $268,075.62 $30,408.75 $900.00 $299,384.37
Total $8,042,268.69 $912,262.50 $27,000.00 $8,981,531.19

Today's Rates

30 Year

7.55%

20 Year

7.5%

15 Year

6.75%

Never Miss a Property

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

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
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: 2026-10-14T11:50:06.000Z

© 2026 Canopy MLS

MLS Logo - Canopy MLS