Cornelius · Cornelius, NC
21200 Rio Oro Drive
Cornelius, NC · 2,022 sqft
$1,249,900
Reduced from $1,279,900
- 3Beds
- 2Baths
- 2,022SqFt
- 1979Year
- 110Days on market
About this home
Welcome to your peaceful waterfront retreat with a minimal HOA, tucked away in a quiet cove in the heart of Cornelius, just minutes from the Cain Center for the Arts, shopping, dining, breweries, and parks. A rare and valuable feature, the private pier and dock accommodate two boats in deep water, offering easy access to Lake Norman’s main channel and elevating this property into a true lakefront escape. Inside, the bright and airy open floor plan offers a natural flow ideal for everyday living and entertaining. The upgraded kitchen features quartz countertops, a large island with storage, abundant cabinetry, stainless steel appliances including refrigerator, double ovens, five-burner gas cooktop, tile backsplash, and upgraded lighting. The light-filled great room includes a ceiling fan and seamless access to the deck, creating effortless indoor-outdoor living with peaceful lake views. The primary suite provides a private retreat with recessed lighting, ceiling fan, private deck access, walk-in closet, and en-suite bath with dual vanity, tiled shower, and soaking garden tub. Additional highlights include exceptional storage throughout, including a storage shed. Outdoor living is enhanced by an expansive covered deck with step-down access to a large paver patio with fire pit, while the private dock offers open views toward the main channel — perfect for enjoying the Lake Norman lifestyle.
Property details
- Beds
- 3
- Baths
- 2
- SqFt
- 2,022
- Lot
- —
- Year built
- 1979
- Type
- Single Family
- Days on market
- 110
- Style
- Transitional
- Heating
- Heat Pump
- Cooling
- Ceiling Fan(s), Central Air
- Foundation
- Crawl Space
- Flooring
- Tile
- View
- Water, Year Round
- HOA dues
- $75 / yr
Features
- Built-in Features
- Drop Zone
- Garden Tub
- Kitchen Island
- Open Floorplan
- Split Bedroom
- Storage
- Walk-In Closet(s)
- Fire Pit
- In-Ground Irrigation
Payment estimate
Estimated monthly payment
Includes P&I, tax, insurance, HOA
$9,205/ month
- Principal & interest
- $7,740
- Property tax (~1.05%)
- $1,093
- Homeowners insurance
- $364
- HOA dues
- $6
Down payment
$62,495 down · $1,187,405 financed
Income to qualify (28% rule)
~$394,519 / 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.


