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John KurtzCharlotte · NC

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Cornelius · Cornelius, NC

21123 Rio Oro Drive

Cornelius, NC · 2,497 sqft

$645,000

  • 3Beds
  • 3Baths
  • 2,497SqFt
  • 1983Year
  • 2Days on market

About this home

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.

Property details

Beds
3
Baths
3
SqFt
2,497
Lot
Year built
1983
Type
Single Family
Days on market
2
Heating
Central
Cooling
Ceiling Fan(s), Central Air, Ductless
Foundation
Basement
Flooring
Bamboo, Carpet, Laminate, Tile, Vinyl, Wood
HOA dues
$75 / yr

Features

  • Attic Other
  • Breakfast Bar
  • Built-in Features
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Fire Pit

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$4,753/ month

Principal & interest
$3,994
Property tax (~1.05%)
$564
Homeowners insurance
$188
HOA dues
$6

Down payment

$32,250 down · $612,750 financed

Income to qualify (28% rule)

~$203,718 / 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.

Location

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.