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About This Home

This 3-bedroom, 3-bathroom single family at 21123 Rio Oro Drive in Cornelius, NC is listed for $645,000 ($258 per sqft). Built in 1983, the home offers 2,497 sqft of living space on a 0.49 acres lot.

Agent Description

Lake Norman Living at an Unbeatable Value - Welcome to Bahia Bay. Nestled on nearly half an acre of wooded land in the sought-after Bahia Bay community, this charming 3-bedroom, 3-bath home puts the best of Lake Norman right at your fingertips - without the waterfront price tag.

Enjoy exclusive community access to a boat ramp, dock, paddlesport launch, and a lakefront picnic area that will make every weekend feel like a vacation. Inside, the open-concept main level is designed for easy living. The two-story family room flows seamlessly into the dining area and a chef-inspired kitchen features gleaming granite countertops and a spacious island perfect for entertaining.

The owner's suite is conveniently located on the main level, offering privacy and comfort. Upstairs, two generously sized bedrooms share a full bath - ideal for family, guests, or a home office setup. The finished basement adds valuable flex space, ready to become your home gym, media room, or playroom.

Step outside to enjoy front and rear porch decks, and gather around the fire pit in your private, wooded backyard - a true outdoor retreat. Pull right into the oversized concrete driveway with room for 3+ vehicles and head straight to the water. With easy access to all that Lake Norman has to offer, this home checks every box. Lake life is calling - come answer it.

Key Features

  • Built in 1983
  • 0.49 acre lot
  • 2 stories

Property Details

2 stories
3 full
1983

Amenities

A/C

Monthly Cost Estimate

$3,525/mo

20% down · 6.5% · 30 years

Principal$466
Interest$2,795
Insurance$188
HOA$75

Estimates only. Actual payments may vary.

Location

21123 Rio Oro Drive

Cornelius, NC 28031

Bahia Bay

Features & Amenities

Interior Features

Attic OtherBreakfast BarBuilt-in FeaturesKitchen IslandOpen FloorplanPantryWalk-In Closet(s)Walk-In Pantry

Exterior Features

Fire Pit

Property Details

Flooring

BambooWoodCarpetLaminateVinylTile

Construction

Stone Veneer Vinyl

Pool Features

PatioPorchDeck

Parking

Driveway

Heating

Central

Cooling

Ceiling Fan(s)DuctlessCentral Air

Appliances

DishwasherDisposalExhaust FanFreezerGas CooktopGas OvenMicrowaveOvenRefrigeratorSelf Cleaning OvenWasher/Dryer

Questions & Answers

This 3-bedroom, 3-bathroom single family at 21123 Rio Oro Drive is listed at $645,000 ($258/sqft). The estimated monthly payment is $2,870 based on 20% down at 6.5% interest.

HOA fees are $75/month.

Key features include: Built in 1983, 0.49 acre lot, 2 stories. Interior Features: Attic Other, Breakfast Bar, Built-in Features. Exterior Features: Fire Pit.

This property is listed by Alison Alston and can be reached at 7043964100 or alison@lodestonerealestate.com.

AA

Alison Alston

Agent at EXP Realty LLC Ballantyne

(704) 396-4100

Listed by EXP Realty LLC Ballantyne · View on Broker Site

MLS# 4387095· Source: listhub· Updated 3 days ago

Copyright © 2026 Canopy MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

21123 Rio Oro Drive, Cornelius, NC 28031

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