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21123 Rio Oro Drive, Cornelius, NC 28031 ACTIVE 1 of 42 21123 Rio Oro Drive, Cornelius, NC 28031 — photo 2 21123 Rio Oro Drive, Cornelius, NC 28031 — photo 3 21123 Rio Oro Drive, Cornelius, NC 28031 — photo 4 21123 Rio Oro Drive, Cornelius, NC 28031 — photo 5
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$580,000 Est. $4,003/mo — Get pre-qualified
3beds 3baths 2,497sq ft 0.49acres

21123 Rio Oro Drive · Cornelius, NC 28031

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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.

Features & Amenities

Living Area2,497 Sq.Ft.
Bedrooms3
Baths3
HeatingCentral
CoolingCeiling Fan(s), Central Air, Ductless
FlooringBamboo, Carpet, Laminate, Tile, Vinyl, Wood
FireplaceNo
AppliancesDishwasher, Disposal, Exhaust Fan, Freezer, Gas Cooktop, Gas Oven, Microwave, Oven, Refrigerator, Self Cleaning Oven, Washer/Dryer
Interior FeaturesAttic Other, Breakfast Bar, Built-in Features, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s), Walk-In Pantry
LaundryIn Basement, Lower Level
Exterior FeaturesFire Pit
Year Built1983
ConstructionStone Veneer, Vinyl
RoofArchitectural Shingle
FoundationBasement
ParkingDriveway
StatusActive
Lot Size0.49 Acres
Lot FeaturesPrivate, Sloped, Wooded
SubdivisionBahia Bay
CountyMECKLENBURG
Property TypeResidential
Property SubTypeSingle Family Residence
Last UpdatedOct 9, 2026
SewerSeptic Installed
Water SourceCommunity Well
HOAYes — $75 / year
HOA ManagementBahia Bay HOA
Community FeaturesPicnic Area, Recreation Area
ElementaryCornelius Elementary School
MiddleBailey Middle School
HighWilliam Amos Hough High School
Presented By: EXP Realty LLC Ballantyne; nc.ballantyne@exprealty.net

Location

Property boundary from county GIS

Neighborhood Snapshot

U.S. Census Bureau, ACS 5-year estimates

Neighborhood 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

DateEventPriceChange
Oct 9, 2026 Price Reduced $590,000 → $580,000 ▾ $10,000 (1.7%)
May 29, 2026 Price Change $645,000 —
Jun 25, 2026 Price Change $635,000 2
Jul 31, 2026 Price Change $615,000 4
Aug 20, 2026 Price Change $605,000 2

Monthly Cost Estimate

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* Estimates only. Actual rates, payments, and terms vary. Consult a licensed mortgage professional.

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