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$990,000 Sale Pending

  • For Sale
  • Pending
  • Single Family
  • 3 Beds
  • 3 Full Baths
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Rare Lake Norman lakefront opportunity in Bahia Bay! This .23-acre waterfront property features a large U-shaped 3 boat slip dock with permit, offering incredible potential for renovation or new construction. The home has updated floors throughout most of the home and new tile in all bathrooms, but overall needs TLC. Sold as-is with no repairs to be made by seller. Excellent option for investors or custom builds. Convenient Cornelius location with quick commute to Charlotte. Unlock the potential of lakefront living in one of Lake Norman's established communities.

Full Property Details for 21600 Rio Oro Dr #45

General

  • Price: $990,000
  • HOA FEE: $6/month
  • HOA FEE FREQ.: Annually
  • Status: Pending
  • Type: Single Family
  • Source: Charlotte_Regional_Realtor_Association
  • MLS ID: 4344956
  • Updated: 3/16/2026
  • Added to Site: 52 day(s) ago

Interior

  • Interior Features: Attic Other, Attic Stairs Pulldown, Walk-In Closet(s)
  • Fireplace: Yes
  • Fireplace(s): Bonus Room, Family Room, Gas, Gas Log, Bonus Room, Family Room, Gas, Gas Log
  • Appliances: None
  • Flooring: Tile, Vinyl

Rooms

Bathrooms

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

Bedrooms

  • Total Bedrooms: 3
  • Bedrooms Main & Up: 3

Other Rooms

  • Laundry: Inside, Laundry Room, Main Level

Additional Information

  • Shared Amenities: Lake Access, Picnic Area, Street Lights, Other

Exterior

  • Exterior Features: Dock - Floating

Parking

  • Parking Features: Driveway, Parking Space(s), RV Access/Parking

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: Central Air, Electric
  • Heating Type: Central, Heat Pump

Utilities

  • Sewer: Septic Installed, Sewage Pump
  • Water: Community Well, Other - See Remarks
  • Utility Description: Natural Gas

Structural Information

  • Architectural Style: Cottage
  • Construction: Site Built
  • Exterior Const.: Brick Partial, Vinyl
  • Basement: Yes
  • Basement Desc.: Daylight, Exterior Entry, Walk-Out Access
  • Roof: Architectural Shingle
  • Lower: 1,221 Sq. Ft.
  • Main/1st Level: 1,661 Sq. Ft.
  • Year Built: 1977

Lot Features

  • Street/Road Desc.: Concrete
  • Lot Features: Waterfront
  • Rcmdd Zoning: GR

Water Features

  • Water Front Name: Lake Norman

Financial Considerations

  • Association Fee: $75
  • Assoc Fee Freq.: Annually
  • Terms: Cash, Conventional

Disclosures and Reports

  • Restrictions: Rental – See Restrictions Description
  • Property ID: 001-297-11
  • Plat: 14-339
  • Lot Number: 30202-471

Listed by The Firm Real Estate

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Listing agent

— 21600 Rio Oro Dr #45 —

  • The Firm Real Estate

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 21600 Rio Oro Dr #45

School District:Charlotte-Mecklenburg Schools
NameGradesDistance
Cornelius Elementary
21126 Catawba Avenue, Cornelius, NC 28031
K-51.5 mi
Bailey Middle School
11900 Bailey Road, Cornelius, NC 28031
6-83.3 mi
William Amos Hough High
12420 Bailey Road, Cornelius, NC 28031
9-123.7 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 21600 Rio Oro Dr #45 Get Price Alerts and Save Property

Date
Details
Price
Change
Source
3/13/2026
Price Reduced
$990,000
-13.84%
MLS
3/04/2026
Price Reduced
$1,149,000
-23.4%
MLS
2/10/2026
Listed
$1,500,000
265.85%
MLS
7/20/2015
Sold
$410,000
—
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 21600 Rio Oro Dr #45

Year
Property Taxes
Change
Tax Assessment
Change
2023
$5,743
-25%
$888,800
-1%
2023
$7,623
74%
$898,000
72%
2022
$4,382
—
$522,400
—
2021
$4,382
3%
$522,400
3%
2020
$4,255
-1%
$507,200
—
2019
$4,288
-9%
$507,200
17%
2018
$4,721
1%
$435,300
—
2017
$4,685
—
$435,300
—
2016
$4,681
1%
$435,300
—
2015
$4,612
—
$435,300
—
2014
$4,610
4%
$435,300
4%
2013
$4,447
—
$419,800
—
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 21600 Rio Oro Dr #45

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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 The Firm Real Estate

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21600 Rio Oro Drive #45, Cornelius, NC 28031 (MLS# 4344956) is a Single Family property with 3 bedrooms and 3 full bathrooms. 21600 Rio Oro Drive #45 is currently listed for $990,000 and was received on February 10, 2026. Want to learn more about 21600 Rio Oro Drive #45? 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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