16818 Harbor View RoadCharlotte, NC 28278
$1,095,000
MLS #4423945
Listed by Four South Group LLC
5Beds
5Baths
4,947SqFt
16312 Cozy Cove Road · Charlotte, NC 28278
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1 of 48
Active
$2,750,000
Est. $18,949/mo — Get pre-qualified
6beds
6baths
6,218sq ft
1.01acres
16312 Cozy Cove Road · Charlotte, NC 28278
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. **Seller is offering a 2/1 buydown with acceptable offer** Flyer with details attached.
Features & Amenities
Living Area6,218 Sq.Ft.
Bedrooms6
Baths6
HeatingCentral, Heat Pump, Natural Gas
CoolingCentral Air, Heat Pump, Multi Units
FlooringCarpet, Tile, Wood
FireplaceDen,Gas Log,Gas Starter,Great Room,See Through
AppliancesDishwasher, Disposal, Electric Oven, Exhaust Hood, Gas Cooktop, Refrigerator, Tankless Water Heater, Wine Refrigerator
Interior FeaturesAttic Walk In, Cable Prewire, Garden Tub, Kitchen Island, Open Floorplan, Pantry, Split Bedroom, Walk-In Closet(s), Walk-In Pantry
LaundryLaundry Closet, Laundry Room, Lower Level, Main Level, Multiple Locations, Upper Level
Virtual TourOpen Virtual Tour
Exterior FeaturesFire Pit, Dock - Floating, Gas Grill, In-Ground Irrigation
Year Built2019
ConstructionFiber Cement
RoofArchitectural Shingle
FoundationBasement
ParkingAttached Garage, Garage Door Opener, Garage Faces Side, Garage Shop, Golf Cart Garage
StatusActive
Lot Size1.01 Acres
Lot FeaturesWaterfront
CountyMECKLENBURG
Property TypeResidential
Property SubTypeSingle Family Residence
Last UpdatedOct 9, 2026
UtilitiesNatural Gas
SewerPublic Sewer
Water SourceCity
HOANo
ElementaryUnspecified Elementary School
MiddleUnspecified Middle School
HighUnspecified High School
Presented By: COMPASS; michelle.early@compass.com
Location
Property boundary from county GIS
Map layers
Neighborhood Snapshot
U.S. Census Bureau, ACS 5-year estimatesNeighborhood data describes this home's U.S. Census tract and is provided for information only. Statistics describe an area, not any individual property or its residents.
Pricing History
| Date | Event | Price | Change |
|---|---|---|---|
| Oct 9, 2026 | Price Reduced | $2,950,000 → $2,750,000 | ▾ $200,000 (6.8%) |
| Nov 14, 2025 | Price Change | $3,495,000 | — |
| Mar 10, 2026 | Price Change | $3,250,000 | 8 |
Monthly Cost Estimate
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* Estimates only. Actual rates, payments, and terms vary. Consult a licensed mortgage professional.
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