Tranquil Waterfront Estate with Unmatched Multigenerational Flexibility
Positioned on a serene lake cove, this well-maintained 6,200-square-foot residence offers a rare combination of waterfront recreation and sophisticated, flexible living. The main level is anchored by a chef’s kitchen and a dramatic two-story great room featuring a three-sided fireplace, providing a central hub for daily life. The primary suite is conveniently located on the main floor, offering a private retreat with direct access to the home's extensive outdoor living options.
Designed for those who require distinct, independent spaces, the property features two separate living quarters. The finished walk-out basement includes a full kitchen, two bedrooms, and two bathrooms, serving as a guest wing or recreation level with easy access to the screened porch and pool. Additionally, a private upstairs apartment offers a third full kitchen, bedroom, and 1.5 baths—ideal for live-in assistance or an in-law suite. Outside, the resort-style backyard features an inground pool and spa overlooking a private dock. Located near the Palisades but free from HOA restrictions, this home provides a quiet retreat with quick access to Charlotte’s dining, medical centers, and the international airport.
Active
Price cut: $200K (6/30)
$2,750,000
16312 Cozy Cove Rd, Charlotte, NC 28278
6beds
6,218sqft
Single Family Residence
Built in 2019
1.01 Acres Lot
$2,642,100 Zestimate®
$442/sqft
$-- HOA
What's special
Three-sided fireplaceTwo separate living quartersInground pool and spaSerene lake coveOverlooking a private dockResort-style backyardDramatic two-story great room
- 226 days |
- 1,406 |
- 78 |
Zillow last checked:
Listing updated:
Listed by:
Robyn Riordan Robyn@RobynRiordan.com,
COMPASS
Source: Canopy MLS as distributed by MLS GRID,MLS#: 4321861
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 6
- Bathrooms: 7
- Full bathrooms: 5
- 1/2 bathrooms: 2
- Main level bedrooms: 3
Primary bedroom
- Level: Main
- Area: 357 Square Feet
- Dimensions: 17' 0" X 21' 0"
Heating
- Central, Heat Pump, Natural Gas
Cooling
- Central Air, Heat Pump, Multi Units
Appliances
- Included: Dishwasher, Disposal, Electric Oven, Exhaust Hood, Gas Cooktop, Refrigerator, Tankless Water Heater, Wine Refrigerator
- Laundry: Laundry Closet, Laundry Room, Lower Level, Main Level, Multiple Locations, Upper Level
Features
- Soaking Tub, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s), Walk-In Pantry
- Flooring: Carpet, Tile, Wood
- Doors: French Doors, Sliding Doors
- Basement: Apartment,Basement Garage Door,Daylight,Interior Entry,Partially Finished,Storage Space,Walk-Out Access
- Attic: Walk-In
- Fireplace features: Den, Gas Log, Gas Starter, Great Room, See Through
Interior area
- Total structure area: 4,793
- Total interior livable area: 6,218 sqft
- Finished area above ground: 4,793
- Finished area below ground: 1,425
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Attached Garage, Garage Door Opener, Garage Faces Side, Garage Shop, Golf Cart Garage, Garage on Main Level
- Attached garage spaces: 4
- Details: 3-car garage on main level and 1-car garage in basement for golf cart, lawnmower, etc.
Features
- Levels: One and One Half
- Stories: 1.5
- Patio & porch: Covered, Deck, Enclosed, Front Porch, Porch, Rear Porch, Screened, Side Porch
- Exterior features: Fire Pit, Gas Grill, In-Ground Irrigation
- Has private pool: Yes
- Pool features: Heated, In Ground, Outdoor Pool, Pool/Spa Combo, Salt Water
- Has view: Yes
- View description: Water, Year Round
- Has water view: Yes
- Water view: Water
- Waterfront features: Dock, Waterfront
- Body of water: Lake Wylie
Lot
- Size: 1.01 Acres
- Dimensions: 291 x 172 x 100 x 40 x 214
Details
- Parcel number: 21718130
- Zoning: N1C
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Fiber Cement
Condition
- New construction: No
- Year built: 2019
Utilities & green energy
- Sewer: Public Sewer
- Water: City
Community & HOA
Community
- Subdivision: None
Location
- Region: Charlotte
Financial & listing details
- Price per square foot: $442/sqft
- Tax assessed value: $1,324,500
- Annual tax amount: $9,290
- Date on market: 11/21/2025
- Cumulative days on market: 225 days
- Listing terms: Cash,Conventional
- Road surface type: Concrete, Paved
Estimated market value
$2,642,100
$2.51M - $2.77M
$6,399/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/30/2026 | Price change | $2,750,000-6.8%$442/sqft |
Source:  Canopy MLS as distributed by MLS GRID #4321861 Report a problem | ||
| 4/21/2026 | Price change | $2,950,000-9.2%$474/sqft |
Source: Canopy MLS as distributed by MLS GRID #4321861 Report a problem | ||
| 3/10/2026 | Price change | $3,250,000-7%$523/sqft |
Source: Canopy MLS as distributed by MLS GRID #4321861 Report a problem | ||
| 11/21/2025 | Listed for sale | $3,495,000+1525.6%$562/sqft |
Source: Canopy MLS as distributed by MLS GRID #4321861 Report a problem | ||
| 4/7/2017 | Sold | $215,000-9.5%$35/sqft |
Source: Canopy MLS as distributed by MLS GRID #3249173 Report a problem | ||
| 4/7/2017 | Pending sale | $237,500$38/sqft |
Source: Lake Wylie Realty #3249173 Report a problem | ||
| 4/7/2017 | Price change | $237,500-1%$38/sqft |
Source: Lake Wylie Realty #3249173 Report a problem | ||
| 10/17/2016 | Listed for sale | $240,000$39/sqft |
Source: Lake Wylie Realty #3161017 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $9,290 +1.4% | $1,324,500 |
| 2024 | $9,158 +1.5% | $1,324,500 |
| 2023 | $9,021 +3.7% | $1,324,500 +37.1% |
| 2022 | $8,701 +7.1% | $966,200 +4.6% |
| 2021 | $8,123 +6.6% | $923,800 +82.7% |
| 2020 | $7,622 +75% | $505,500 |
| 2019 | $4,356 +29.9% | $505,500 +68.5% |
| 2018 | $3,353 +1.9% | $300,000 |
| 2017 | $3,291 | $300,000 |
| 2016 | $3,291 | $300,000 |
| 2015 | $3,291 +2.6% | $300,000 |
| 2014 | $3,208 | -- |
| 2013 | -- | $300,000 |
| 2012 | -- | $300,000 |
| 2011 | -- | $300,000 +60.7% |
| 2010 | -- | $186,700 |
| 2009 | -- | $186,700 |
| 2008 | -- | $186,700 |
| 2007 | -- | $186,700 |
| 2006 | -- | $186,700 |
| 2005 | -- | $186,700 +20.8% |
| 2004 | -- | $154,500 |
| 2003 | -- | $154,500 +3.5% |
| 2002 | -- | $149,320 |
| 2001 | -- | $149,320 |
| 2000 | -- | $149,320 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: Lower Palisades
Nearby schools
GreatSchools rating
- 9/10Palisades Park ElementaryGrades: K-5Distance: 2.5 mi
- 2/10Southwest Middle SchoolGrades: 6-8Distance: 4.6 mi
- 6/10Palisades High SchoolGrades: 9-11Distance: 2.6 mi
A local agent can set up tours, give advice and negotiate with sellers.
- North Carolina
- Mecklenburg County
- Charlotte
- 28278
- Lower Palisades
- 16312 Cozy Cove Rd
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Nearby neighborhoods
Nearby zip codes
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