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.
Active
Price cut: $10K (6/25)
$635,000
21123 Rio Oro Dr, Cornelius, NC 28031
3beds
2,497sqft
Single Family Residence
Built in 1983
0.49 Acres Lot
$620,500 Zestimate®
$254/sqft
$6/mo HOA
What's special
Chef-inspired kitchenGleaming granite countertopsTwo generously sized bedroomsTwo-story family roomOpen-concept main level
- 32 days |
- 942 |
- 28 |
Zillow last checked:
Listing updated:
Listed by:
Alison Alston 704-396-4100,
EXP Realty LLC Ballantyne
Source: Canopy MLS as distributed by MLS GRID,MLS#: 4387095
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
- Main level bedrooms: 1
Primary bedroom
- Level: Main
Bedroom s
- Level: Upper
Bedroom s
- Level: Upper
Bathroom full
- Level: Main
Bathroom full
- Level: Main
Bathroom full
- Level: Upper
Breakfast
- Level: Main
Flex space
- Level: Lower
Kitchen
- Level: Main
Laundry
- Level: Lower
Living room
- Level: Main
Heating
- Central
Cooling
- Ceiling Fan(s), Central Air, Ductless
Appliances
- Included: Dishwasher, Disposal, Exhaust Fan, Freezer, Gas Cooktop, Gas Oven, Microwave, Oven, Refrigerator, Self Cleaning Oven, Washer/Dryer
- Laundry: In Basement, Lower Level
Features
- Attic Other, Breakfast Bar, Built-in Features, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s), Walk-In Pantry
- Flooring: Bamboo, Carpet, Laminate, Tile, Vinyl, Wood
- Basement: Basement Shop,Storage Space,Walk-Out Access
- Attic: Other
Interior area
- Total structure area: 1,954
- Total interior livable area: 2,497 sqft
- Finished area above ground: 1,954
- Finished area below ground: 543
Property
Parking
- Total spaces: 6
- Parking features: Driveway
- Uncovered spaces: 6
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck, Patio, Rear Porch
- Exterior features: Fire Pit
- Fencing: Partial
- Waterfront features: Beach - Public, Boat Lift – Community, Boat Ramp – Community, Boat Slip – Community, Paddlesport Launch Site - Community, Pier - Community
- Body of water: Lake Norman
Lot
- Size: 0.49 Acres
- Features: Private, Sloped, Wooded
Details
- Parcel number: 00129404
- Zoning: GR
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Stone Veneer, Vinyl
Condition
- New construction: No
- Year built: 1983
Utilities & green energy
- Sewer: Septic Installed
- Water: Community Well
Community & HOA
Community
- Features: Picnic Area, Recreation Area
- Security: Smoke Detector(s)
- Subdivision: Bahia Bay
HOA
- Has HOA: Yes
- HOA fee: $75 annually
- HOA name: Bahia Bay HOA
- HOA phone: 704-255-6945
Location
- Region: Cornelius
Financial & listing details
- Price per square foot: $254/sqft
- Tax assessed value: $461,700
- Date on market: 5/29/2026
- Cumulative days on market: 32 days
- Road surface type: Concrete
Estimated market value
$620,500
$589,000 - $652,000
$3,986/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/25/2026 | Price change | $635,000-1.6%$254/sqft |
Source:  Canopy MLS as distributed by MLS GRID #4387095 Report a problem | ||
| 5/29/2026 | Listed for sale | $645,000+35.8%$258/sqft |
Source: Canopy MLS as distributed by MLS GRID #4387095 Report a problem | ||
| 4/3/2026 | Listing removed | $3,149$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 3/27/2026 | Listed for rent | $3,149+40.6%$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 4/18/2025 | Listing removed | $2,239$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 4/16/2025 | Price change | $2,239-3.9%$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 4/9/2025 | Price change | $2,329-4.9%$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 4/5/2025 | Price change | $2,449-9.1%$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 4/2/2025 | Price change | $2,695-6.1%$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 3/26/2025 | Price change | $2,869-4.3%$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 3/21/2025 | Price change | $2,999-25%$1/sqft |
Source: Zillow Rentals Report a problem | ||
| 2/25/2025 | Price change | $3,999+63.2%$2/sqft |
Source: Zillow Rentals Report a problem | ||
| 11/8/2022 | Listed for rent | $2,450+6.5%$1/sqft |
Source: Zillow Rental Network Premium Report a problem | ||
| 8/8/2022 | Listing removed | -- |
Source: Zillow Rental Network Premium Report a problem | ||
| 7/14/2022 | Price change | $2,300-11.5%$1/sqft |
Source: Zillow Rental Network Premium Report a problem | ||
| 6/29/2022 | Price change | $2,600-7.1%$1/sqft |
Source: Zillow Rental Network Premium Report a problem | ||
| 6/17/2022 | Price change | $2,800-3.4%$1/sqft |
Source: Zillow Rental Network Premium Report a problem | ||
| 5/19/2022 | Price change | $2,900-6.5%$1/sqft |
Source: Zillow Rental Network Premium Report a problem | ||
| 4/25/2022 | Price change | $3,100-3.1%$1/sqft |
Source: Zillow Rental Network Premium Report a problem | ||
| 3/29/2022 | Listed for rent | $3,200$1/sqft |
Source: Zillow Rental Network Premium Report a problem | ||
| 3/28/2022 | Sold | $475,000+5.6%$190/sqft |
Source: Public Record Report a problem | ||
| 11/25/2021 | Listing removed | -- |
Source: Canopy MLS as distributed by MLS GRID #3778384 Report a problem | ||
| 11/16/2021 | Price change | $449,900-2.2%$180/sqft |
Source: Canopy MLS as distributed by MLS GRID #3778384 Report a problem | ||
| 10/27/2021 | Price change | $459,900-3.2%$184/sqft |
Source: Canopy MLS as distributed by MLS GRID #3778384 Report a problem | ||
| 10/7/2021 | Listed for sale | $474,900+35.7%$190/sqft |
Source: Canopy MLS as distributed by MLS GRID #3778384 Report a problem | ||
| 8/3/2020 | Sold | $350,000$140/sqft |
Source: Canopy MLS as distributed by MLS GRID #3631892 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $461,700 |
| 2024 | -- | $461,700 |
| 2023 | -- | $461,700 +47.6% |
| 2022 | -- | $312,900 |
| 2021 | $2,664 +8% | $312,900 +8.1% |
| 2020 | $2,467 +0.2% | $289,400 |
| 2019 | $2,461 +27.2% | $289,400 +63.6% |
| 2018 | $1,935 +1.1% | $176,900 |
| 2017 | $1,915 | $176,900 |
| 2016 | $1,915 | $176,900 |
| 2015 | $1,915 +1.7% | $176,900 |
| 2014 | $1,883 | -- |
| 2013 | -- | $176,900 |
| 2012 | -- | $176,900 |
| 2011 | -- | $176,900 +18.1% |
| 2010 | -- | $149,800 |
| 2009 | -- | $149,800 |
| 2008 | -- | $149,800 |
| 2007 | -- | $149,800 |
| 2006 | -- | $149,800 |
| 2005 | -- | $149,800 |
| 2004 | -- | $149,800 |
| 2003 | -- | $149,800 +12.9% |
| 2002 | -- | $132,720 |
| 2001 | -- | $132,720 |
| 2000 | -- | $132,720 |
Find assessor info on the county website
Monthly payment
Est. payment$--/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.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 28031
Nearby schools
GreatSchools rating
- 6/10Cornelius ElementaryGrades: K-5Distance: 1.6 mi
- 10/10Bailey Middle SchoolGrades: 6-8Distance: 3.4 mi
- 7/10William Amos Hough HighGrades: 9-12Distance: 3.8 mi
Schools provided by the listing agent
- Elementary: Cornelius
- Middle: Bailey
- High: William Amos Hough
Source: Canopy MLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
- North Carolina
- Mecklenburg County
- Cornelius
- 28031
- 21123 Rio Oro Dr
Nearby cities
Nearby zip codes
Other Cornelius Topics
