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Terri Bias

Operator/Brokerage Owner | Terri Bias and Associates | PLACE

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21617 Rio Oro Dr , Cornelius, NC 28031
$2,100,000
Est. Payment: $10,757.22/mo
4 Bed
5 Bath
4971 Sqft
Status: active | Days on site: 14
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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 appreciate exceptional craftsmanship, this custom home delivers a level of quality and detail rarely found in new construction. From the 10 foot ceilings on every level to the wide-plank European white oak flooring throughout, every inch of this home was professionally designed with quiet luxury in mind — the kind of thoughtful, layered detail a homeowner would choose for themselves and built to offer a seamless mix of elegance, sophistication, and modern livability. The heart of the home is the open concept main-level entertaining space, anchored by a quartzite fireplace & framed in fluted white oak paneling — a detail that instantly elevates the space from beautiful to unforgettable. It's flanked by a built-in bench seat with pull-out drawers and built in storage. The kitchen carries that same intention forward with custom two tone cabinetry, a dramatic 2.5" waterfall-edge island, built-in seating with additional storage, and abundant windows that fill the space with natural light. And no custom home is complete without a scullery — and this one is a showstopper. Fully equipped with a full-size second refrigerator, a second dishwasher, a microwave, abundant custom cabinetry, generous storage, and gorgeous leathered quartz countertops, all tucked just out of sight so entertaining always looks effortless and the kitchen always looks picture-perfect. Just beyond, a wet bar with white oak floating shelves and under-mount lighting leads you toward the low-maintenance backyard oasis. The main level also features a private guest suite with its own en suite bath finished like a boutique hotel — an oversized walk-in shower enclosed in floor-to-ceiling tile, so beautiful your guests won’t want to leave. A color-drenched dedicated home office is tucked away for effortless work-from-home days, and an elegant powder bath features a floating Viola Calacatta marble sink with a wall-mounted faucet — details you won’t find in a typical spec home. Upstairs, the primary suite lives like its own private wing, spanning over 1,000 square feet. The spa-inspired bath features an oversized tile shower enclosed in floor-to-ceiling glass, dual vanities highlighted by a decorative marble backsplash and wall-mounted fixtures, plus two oversized custom walk-in closets built for real life. The bonus room truly sets this home apart — a wall of floor-to-ceiling windows floods the space with natural light and offers endless possibilities for how you use it. The laundry room has abundant storage and counter space and the guest bedrooms are generous. Step outside to a covered back porch overlooking a private, professionally landscaped backyard, where low-maintenance design means more time to enjoy it and less time maintaining it, plus there is room to add a pool. Just a short walk away, residents enjoy private community lake access with a dock and ramp, putting the lake within reach any time you choose, while boutique shopping, top-ranked restaurants, and the new pickleball scene at Serve are all just around the corner. Every great lake town has a neighborhood on the rise. On the shoreline of Lake Norman, that neighborhood is Bahia Bay — where a new generation of architecturally significant custom homes are shaping the future of the neighborhood- all in one of North Carolina’s most celebrated lake towns. 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

4411277

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Convection Microwave, Convection Oven, Dishwasher, Disposal, Double Oven, Electric Oven, Exhaust Hood, Gas Cooktop, Microwave, Refrigerator, Refrigerator with Ice Maker, Tankless Water Heater
Air Cond:Heat Pump
Fireplaces:Family Room
Floor:Hardwood,Tile
Above Ground Sq Ft:4971
Below Ground Sq Ft:0
Other:
  • Additional:Attic Stairs Pulldown, Breakfast Bar, Built-in Features, Drop Zone, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Storage, Walk-In Closet(s), Walk-In Pantry, Wet Bar, Has Fireplace
Water:City

Exterior Features

Lot:Cleared,Views,Boat Ramp,Boat Ramp – Community,Boat Slip – Community,Paddlesport Launch Site - Community,Pier - Community
Zoning:GR
Roof:Architectural Shingle
Others:
  • Additional:In-Ground Irrigation
Sewer:Public Sewer
Parking Features:Attached Garage
Principal Interest
$10,757
Taxes
$1,339
HOA
$75

Home Price

$2,100,000

Loan Details

30 yrs
6.625%

Down Payment

20%
$420,000
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:
$10,757.22

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $10,757.22 $1,338.75 $75.00 $12,170.97
Yearly $129,086.69 $16,065.00 $900.00 $146,051.69
Total $3,872,600.69 $481,950.00 $27,000.00 $4,381,550.69

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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