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$3,495,000
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Property Description
Absolutely stunning waterfront retreat on Lake Wylie! Situated on just over an acre within the desireable Palisades area with no HOA restrictions, this exceptional 6 bedroom, 5 full/2 half bath property offers unmatched freedom and luxury in one of Charlotte's most coveted locations. A charming rocking chair front porch welcomes you into a breathtaking 2-story great room, highlighted by a dramatic three sided floor-to-ceiling stone fireplace. The open dining area flows seamlessly into the chef's kitchen, featuring an oversized island with breakfast bar, 36" gas cooktop, double wall ovens and a full size side by side refrigerator and freezer. Just off the great room, the covered deck provides one of many inviting outdoor living spaces with tranquil lake views. The main level primary suite impresses with a spacious 17x21 bedroom overlooking the water, along with spa-inspired bath and walk-in closet. Two additional bedrooms, a jack and jill bath, walk-in pantry and a large laundry room leading to the 3-car garage complete the main level. Upstairs, you'll find a full private apartment -- ideal for in-laws, guests, and more -- offering a beautiful kitchen, open living area with lake views, a generous bedroom, 1.5 baths, pantry and laundry. The expansive basement adds even more versatility featuring a living room/rec room, full kitchen, 2 bedrooms and 2 full baths. Over 1,000 sf of unfinished space offers endless possibilities for storage, home gym or future expansion. A separate one-car garage with workshop is perfect for a golf cart, tools and lake toys. Walk out from the basement to a spacious screened porch overlooking the inground pool, hot tub, grill station, built-in firepit and, of course, Lake Wylie. Follow the gentle path down to your private dock and enjoy boating, water sports, fishing or peaceful sunset views. This unique property offers true lake living with unmatched convenience. Schedule your appointment to see this incredible property today!
Full Property Details
Full Property Details for 16312 Cozy Cove Rd
General
- Price: $3,495,000
- Status: Active
- Type: Single Family
- Source: Charlotte_Regional_Realtor_Association
- MLS ID: 4321861
- Updated: 12/10/2025
- Added to Site: 58 day(s) ago
Interior
- Interior Features: Attic Walk In, Cable Prewire, Garden Tub, Kitchen Island, Open Floorplan, Pantry, Split Bedroom, Walk-In Closet(s), Walk-In Pantry
- Fireplace: Yes
- Fireplace(s): Den, Gas Log, Gas Starter, Great Room, See Through, Den, Gas Log, Gas Starter, Great Room, See Through
- Appliances: Dishwasher, Disposal, Electric Oven, Exhaust Hood, Gas Cooktop, Refrigerator, Tankless Water Heater, Wine Refrigerator
- Flooring: Carpet, Tile, Wood
Rooms
Bathrooms
- Total Bathrooms: 7
- Full Bathrooms: 5
- Half Bathrooms: 2
- Upper - Full Baths: 1
- Upper - 1/2 Baths: 1
- Main - Full Baths: 2
- Main - 1/2 Baths: 1
- Basement Baths: 2
Bedrooms
- Total Bedrooms: 6
- Bedrooms-B: 2
- Bedrooms Upper: 1
- Bedrooms Main & Up: 3
Other Rooms
- Laundry: Laundry Closet, Laundry Room, Lower Level, Main Level, Multiple Locations, Upper Level
Exterior
- Exterior Features: Fire Pit, Dock - Floating, Gas Grill, In-Ground Irrigation
Parking
- Garage: Yes
- Garage Description: 981 Sq. Ft.
- Garage Spaces: 4
- Parking Features: Attached Garage, Garage Door Opener, Garage Faces Side, Garage Shop, Golf Cart Garage
Location
- County: Mecklenburg
Heating & Cooling
- Cooling Type: Central Air, Heat Pump, Multi Units
- Heating Type: Central, Heat Pump, Natural Gas
Utilities
- Sewer: Public Sewer
- Water: City
- Utility Description: Natural Gas
Structural Information
- Construction: Site Built
- Exterior Const.: Fiber Cement
- Basement: Yes
- Basement Desc.: Apartment, Basement Garage Door, Daylight, Interior Entry, Partially Finished, Storage Space, Walk-Out Access
- Roof: Architectural Shingle
- Upper: 1,814 Sq. Ft.
- Main/1st Level: 2,979 Sq. Ft.
- Year Built: 2019
Lot Features
- Lot Dimensions: 291 x 172 x 100 x 40 x 214
- Street/Road Desc.: Concrete, Paved
- Lot Features: Waterfront
Water Features
- Water Front Name: Lake Wylie
Financial Considerations
- Terms: Cash, Conventional
Disclosures and Reports
- Property ID: 21718130
- Lot Number: 31700/587
Listed by Compass
Get Pre-Approved Today
Schools
Schools serving 16312 Cozy Cove Rd
School District:Charlotte-Mecklenburg Schools
| Name | Grades | Distance |
|---|---|---|
Palisades Park Elementary 15321 York Road, Charlotte, NC 28278 | K-5 | 2.5 mi |
Southwest Middle School, Charlotte, NC 13624 Steele Creek Road, Charlotte, NC 28273 | 6-8 | 4.6 mi |
Olympic High School 4301 Sandy Porter Road, Charlotte, NC 28273 | 9-12 | 8.6 mi |
Disclaimer:
School attendance boundaries provided by Pitney Bowes and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 16312 Cozy Cove Rd
Date
Details
Price
Change
Source
11/21/2025
Listed
$3,495,000
1525.58%
MLS
4/06/2017
Sold
$215,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 16312 Cozy Cove Rd
Year
Property Taxes
Change
Tax Assessment
Change
2023
-100%
$1,267,700
-4%
2023
$8,171
100%
$1,324,500
37%
2022
100%
$966,200
5%
2021
100%
$923,800
83%
2020
-100%
$505,500
—
2019
$4,356
30%
$505,500
68%
2018
$3,353
1%
$300,000
—
2017
$3,331
1%
$300,000
—
2016
$3,291
1%
$300,000
—
2015
$3,261
2%
$300,000
—
2013
$3,208
—
$300,000
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 16312 Cozy Cove Rd
16312 Cozy Cove Road, Charlotte, NC 28278 (MLS# 4321861) is a Single Family property with 6 bedrooms, 5 full bathrooms and 2 partial bathrooms. 16312 Cozy Cove Road is currently listed for $3,495,000 and was received on November 21, 2025. Want to learn more about 16312 Cozy Cove Road? Do you have questions about finding other Single Family real estate for sale in Charlotte? You can browse all Charlotte real estate or contact a Coldwell Banker agent to request more information.

