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$2,750,000

  • For Sale
  • Active
  • Single Family
  • 6 Beds
  • 5 Full Baths
  • 2 Partial Baths
  • 4 Car Garage
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Imagine a home that adapts perfectly to your lifestyle, offering three entirely separate living quarters without sacrificing a drop of luxury or lakefront charm. This 6,200-square-foot residence is a masterclass in versatility, designed specifically for multi-generational living or hosting guests with total independence. The finished walk-out lower level serves as a complete second home with its own full kitchen, two bedrooms, and two bathrooms, while a private upstairs apartment offers a third full kitchen and a dedicated bedroom suite. The lifestyle here revolves around the water. Step outside to a resort-style backyard where an inground pool and spa overlook your private dock, tucked away on a serene lake cove. Whether you're launching a boat for a sunset cruise or enjoying a quiet morning on the screened porch, the connection to the water is seamless. Inside, the main level acts as a sophisticated central hub. A two-story great room with a three-sided fireplace creates a dramatic focal point, flowing into a chef's kitchen designed for large-scale entertaining. The primary suite is also conveniently situated on the main floor, offering a secluded retreat with direct access to the expansive outdoor living areas. Located near the Palisades but notably free from HOA restrictions, this property offers a rare sense of privacy and freedom. You'll enjoy the feeling of a secluded getaway while just a short drive from Charlotte's premier dining, medical centers, and the international airport. It's more than just a home; it's a flexible, waterfront sanctuary built for the way you live today.

Full Property Details for 16312 Cozy Cove Rd

General

  • Price: $2,750,000
  • Status: Active
  • Type: Single Family
  • Source: Charlotte_Regional_Realtor_Association
  • MLS ID: 4321861
  • Updated: 8/14/2026
  • Added to Site: 289 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

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— 16312 Cozy Cove Rd —

  • Compass

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 16312 Cozy Cove Rd

School District:Charlotte-Mecklenburg Schools
NameGradesDistance
Palisades Park Elementary
15321 York Road, Charlotte, NC 28278
K-52.5 mi
Southwest Middle School, Charlotte, NC
13624 Steele Creek Road, Charlotte, NC 28273
6-84.6 mi
Palisades High School
15221 York Road, Charlotte, NC 28278
9-122.6 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 16312 Cozy Cove Rd Get Price Alerts and Save Property

Date
Details
Price
Change
Source
6/29/2026
Price Reduced
$2,750,000
-6.78%
MLS
4/20/2026
Price Reduced
$2,950,000
-9.23%
MLS
3/10/2026
Price Reduced
$3,250,000
-7.01%
MLS
11/21/2025
Listed
$3,495,000
1525.58%
MLS
4/06/2017
Sold
$215,000
—
Public Record
Get Price Alerts and Save Property
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 for 16312 Cozy Cove Rd

Year
Property Taxes
Change
Tax Assessment
Change
2025
$9,290
100%
$1,324,500
4%
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
—
View All
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 for 16312 Cozy Cove Rd

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*These costs are estimates, and the interest rates assume exceptional credit standing.

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with our affiliated lender
NMLS#: 1598647

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Listed by Compass

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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 $2,750,000 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.

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