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    • Price cut: $20K (7/31)
    $615,000

    21123 Rio Oro Dr, Cornelius, NC 28031

    3beds
    2,497sqft
    : 
    $3,580/mo
    Get pre-qualified
    Single Family Residence
    Built in 1983
    0.49 Acres Lot
    $604,000 Zestimate®
    $246/sqft
    $6/mo HOA

    What's special

    Chef-inspired kitchenGleaming granite countertopsTwo generously sized bedroomsTwo-story family roomOpen-concept main level
    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.
    80 days
    |
    664
    |
    12
    |

    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#: 4387095MLS Logo

      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: $246/sqft
      • Tax assessed value: $461,700
      • Date on market: 5/29/2026
      • Cumulative days on market: 80 days
      • Road surface type: Concrete

        Estimated market value

        $604,000

        $574,000 - $634,000

        $3,623/mo

        Price history

        DateEventPrice
        7/31/2026Price change$615,000-3.1%$246/sqft
        Source: Canopy MLS as distributed by MLS GRID #4387095 Report a problem
        6/25/2026Price change$635,000-1.6%$254/sqft
        Source: Canopy MLS as distributed by MLS GRID #4387095 Report a problem
        5/29/2026Listed for sale$645,000+35.8%$258/sqft
        Source: Canopy MLS as distributed by MLS GRID #4387095 Report a problem
        4/3/2026Listing removed$3,149$1/sqft
        Source: Zillow Rentals Report a problem
        3/27/2026Listed for rent$3,149+40.6%$1/sqft
        Source: Zillow Rentals Report a problem
        4/18/2025Listing removed$2,239$1/sqft
        Source: Zillow Rentals Report a problem
        4/16/2025Price change$2,239-3.9%$1/sqft
        Source: Zillow Rentals Report a problem
        4/9/2025Price change$2,329-4.9%$1/sqft
        Source: Zillow Rentals Report a problem
        4/5/2025Price change$2,449-9.1%$1/sqft
        Source: Zillow Rentals Report a problem
        4/2/2025Price change$2,695-6.1%$1/sqft
        Source: Zillow Rentals Report a problem
        3/26/2025Price change$2,869-4.3%$1/sqft
        Source: Zillow Rentals Report a problem
        3/21/2025Price change$2,999-25%$1/sqft
        Source: Zillow Rentals Report a problem
        2/25/2025Price change$3,999+63.2%$2/sqft
        Source: Zillow Rentals Report a problem
        11/8/2022Listed for rent$2,450+6.5%$1/sqft
        Source: Zillow Rental Network Premium Report a problem
        8/8/2022Listing removed--
        Source: Zillow Rental Network Premium Report a problem
        7/14/2022Price change$2,300-11.5%$1/sqft
        Source: Zillow Rental Network Premium Report a problem
        6/29/2022Price change$2,600-7.1%$1/sqft
        Source: Zillow Rental Network Premium Report a problem
        6/17/2022Price change$2,800-3.4%$1/sqft
        Source: Zillow Rental Network Premium Report a problem
        5/19/2022Price change$2,900-6.5%$1/sqft
        Source: Zillow Rental Network Premium Report a problem
        4/25/2022Price change$3,100-3.1%$1/sqft
        Source: Zillow Rental Network Premium Report a problem
        3/29/2022Listed for rent$3,200$1/sqft
        Source: Zillow Rental Network Premium Report a problem
        3/28/2022Sold$475,000+5.6%$190/sqft
        Source: Public Record Report a problem
        11/25/2021Listing removed--
        Source: Canopy MLS as distributed by MLS GRID #3778384 Report a problem
        11/16/2021Price change$449,900-2.2%$180/sqft
        Source: Canopy MLS as distributed by MLS GRID #3778384 Report a problem
        10/27/2021Price change$459,900-3.2%$184/sqft
        Source: Canopy MLS as distributed by MLS GRID #3778384 Report a problem
        10/7/2021Listed for sale$474,900+35.7%$190/sqft
        Source: Canopy MLS as distributed by MLS GRID #3778384 Report a problem
        8/3/2020Sold$350,000$140/sqft
        Source: Canopy MLS as distributed by MLS GRID #3631892 Report a problem

        Public tax history

        YearProperty taxesTax 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

        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.
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        Climate risks

        Neighborhood: 28031

        Getting around

        2 / 100
        Car-Dependent
        14 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        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.

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