Charlotte · Charlotte, NC
16541 Cozy Cove Road
Charlotte, NC · 3,196 sqft
$728,000
Reduced from $735,000
- 4Beds
- 3.5Baths
- 3,196SqFt
- 2019Year
- 67Days on market
About this home
This beautifully designed 1½-story ranch offers a full, unfinished walk-out basement and a versatile layout ideal for everyday living and future expansion. Just off the foyer, a private office with French doors creates a quiet workspace, and the formal dining room is accented by elegant decorative wainscoting. The kitchen features a large granite prep island, Skyline cabinetry, a gas cooktop, and a wall oven, and it opens seamlessly to the great room with a cozy gas fireplace. A sunny breakfast area leads to the screened-in balcony—perfect for enjoying the seasons. The primary suite is privately tucked at the rear of the home and features dual vanities, a glass-enclosed shower, and a spacious walk-in closet. Two secondary bedrooms share a hall bath. Upstairs, an open loft connects to a fourth bedroom with a private bath, plus generous walk-in attic storage. Downstairs, the unfinished walk-out basement offers significant potential, with plumbing already in place for a fourth full bath, a fifth bedroom, a large recreation room, and even a second kitchen. Ideally located within an easy walk to the residents’ clubhouse and pool, this home blends comfort, flexibility, and opportunity.
Property details
- Beds
- 4
- Baths
- 3.5
- SqFt
- 3,196
- Lot
- —
- Year built
- 2019
- Type
- Single Family
- Days on market
- 67
- Garage
- 3
- Heating
- Forced Air, Natural Gas, Zoned
- Cooling
- Central Air, Zoned
- Foundation
- Basement
- Flooring
- Carpet, Hardwood, Tile
- HOA dues
- $315 / qtr
Features
- Attic Stairs Pulldown
- Built-in Features
- Cable Prewire
- Kitchen Island
- Open Floorplan
- Pantry
- Split Bedroom
- Walk-In Closet(s)
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance, HOA
$5,463/ month
- Principal & interest
- $4,508
- Property tax (~1.05%)
- $637
- Homeowners insurance
- $212
- HOA dues
- $105
Down payment
$36,400 down · $691,600 financed
Income to qualify (28% rule)
~$234,130 / year household
A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he trusts.
Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.


