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.
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
$2,653,400 Zestimate®
$442/sqft
$-- HOA
What's special
Finished walk-out lower levelInground pool and spaScreened porchResort-style backyard
- 271 days |
- 1,505 |
- 106 |
Zillow last checked:
Listing updated:
Listed by:
Robyn Riordan Robyn@RobynRiordan.com,
COMPASS
Source: Canopy MLS as distributed by MLS GRID,MLS#: 4321861
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: 271 days
- Listing terms: Cash,Conventional
- Road surface type: Concrete, Paved
Estimated market value
$2,653,400
$2.52M - $2.79M
$6,548/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
Payment breakdown
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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
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A local agent can set up tours, give advice and negotiate with sellers.
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