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John KurtzCharlotte · NC

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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.

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.