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$645,000 Just Listed

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 3 Full Baths
  • Updated 9 hours ago
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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.

Full Property Details for 21123 Rio Oro Dr

General

  • Price: $645,000
  • HOA FEE: $6/month
  • HOA FEE FREQ.: Annually
  • Status: Active
  • Type: Single Family
  • Source: Charlotte_Regional_Realtor_Association
  • MLS ID: 4387095
  • Updated: 5/31/2026
  • Added to Site: 3 day(s) ago

Interior

  • Interior Features: Attic Other, Breakfast Bar, Built-in Features, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s), Walk-In Pantry
  • Appliances: Dishwasher, Disposal, Exhaust Fan, Freezer, Gas Cooktop, Gas Oven, Microwave, Oven, Refrigerator, Self Cleaning Oven, Washer/Dryer
  • Flooring: Bamboo, Carpet, Laminate, Tile, Vinyl, Wood

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Upper - Full Baths: 1
  • Main - Full Baths: 2

Bedrooms

  • Total Bedrooms: 3
  • Bedrooms Upper: 2
  • Bedrooms Main & Up: 1

Other Rooms

  • Laundry: In Basement, Lower Level

Additional Information

  • Shared Amenities: Picnic Area, Recreation Area

Exterior

  • Exterior Features: Fire Pit

Parking

  • Parking Features: Driveway

Location

  • County: Mecklenburg
  • Subdivision: Bahia Bay

School Information

  • Elementary School: Cornelius
  • Middle School: Bailey
  • High School: William Amos Hough

Community

  • Assoc. Name: Bahia Bay HOA

Heating & Cooling

  • Cooling Type: Ceiling Fan(s), Central Air, Ductless
  • Heating Type: Central

Utilities

  • Sewer: Septic Installed
  • Water: Community Well

Structural Information

  • Construction: Site Built
  • Exterior Const.: Stone Veneer, Vinyl
  • Basement: Yes
  • Basement Desc.: Basement Shop, Storage Space, Walk-Out Access
  • Roof: Architectural Shingle
  • Upper: 621 Sq. Ft.
  • Main/1st Level: 1,333 Sq. Ft.
  • Year Built: 1983

Lot Features

  • Street/Road Desc.: Concrete
  • Lot Features: Private, Sloped, Wooded
  • Rcmdd Zoning: GR
  • Fencing (Description): Partial

Water Features

  • Water Front Name: Lake Norman

Financial Considerations

  • Association Fee: $75
  • Assoc Fee Freq.: Annually

Disclosures and Reports

  • Property ID: 001-294-04
  • Lot Number: 37190-708

Listed by EXP Realty LLC Ballantyne

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Listing agent

— 21123 Rio Oro Dr —

  • EXP Realty LLC Ballantyne

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 21123 Rio Oro Dr

School District:Charlotte-Mecklenburg Schools
NameGradesDistance
Cornelius Elementary
21126 Catawba Avenue, Cornelius, NC 28031
K-51.6 mi
Bailey Middle School
11900 Bailey Road, Cornelius, NC 28031
6-83.4 mi
William Amos Hough High
12420 Bailey Road, Cornelius, NC 28031
9-123.8 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 21123 Rio Oro Dr Get Price Alerts and Save Property

Date
Details
Price
Change
Source
5/29/2026
Listed
$645,000
35.79%
MLS
3/25/2022
Sold
$475,000
—
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 21123 Rio Oro Dr

Year
Property Taxes
Change
Tax Assessment
Change
2024
$3,079
3%
$461,700
—
2023
$2,984
-24%
$461,700
—
2023
$3,919
49%
$461,700
48%
2022
$2,625
—
$312,900
—
2021
$2,625
8%
$312,900
8%
2020
$2,428
-1%
$289,400
—
2019
$2,461
27%
$289,400
64%
2018
$1,935
1%
$176,900
—
2017
$1,918
—
$176,900
—
2016
$1,915
2%
$176,900
—
2015
$1,885
—
$176,900
—
2013
$1,883
—
$176,900
—
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 21123 Rio Oro Dr

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

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Listed by EXP Realty LLC Ballantyne

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21123 Rio Oro Drive, Cornelius, NC 28031 (MLS# 4387095) is a Single Family property with 3 bedrooms and 3 full bathrooms. 21123 Rio Oro Drive is currently listed for $645,000 and was received on May 29, 2026. Want to learn more about 21123 Rio Oro Drive? Do you have questions about finding other Single Family real estate for sale in Cornelius? You can browse all Cornelius real estate or contact a Coldwell Banker agent to request more information.

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