View all 48 photos →

Charlotte · Charlotte, NC

16312 Cozy Cove Road

Charlotte, NC · 6,218 sqft

$2,750,000

Reduced from $3,495,000

  • 6Beds
  • 6Baths
  • 6,218SqFt
  • 2019Year
  • 291x172x100x40x214Lot
  • 266Days on market

About this home

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.

Property details

Beds
6
Baths
6
SqFt
6,218
Lot
291x172x100x40x214
Year built
2019
Type
Single Family
Days on market
266
Garage
4
Heating
Central, Heat Pump, Natural Gas
Cooling
Central Air, Heat Pump, Multi Units
Foundation
Basement
Flooring
Carpet, Tile, Wood
View
Water, Year Round

Features

  • Attic Walk In
  • Cable Prewire
  • Garden Tub
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Split Bedroom
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Fire Pit
  • Dock - Floating
  • Gas Grill
  • In-Ground Irrigation

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance

$20,239/ month

Principal & interest
$17,031
Property tax (~1.05%)
$2,406
Homeowners insurance
$802
HOA dues

Down payment

$137,500 down · $2,612,500 financed

Income to qualify (28% rule)

~$867,423 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. Christy can introduce you to lenders she trusts.

Numbers are a directional estimate. Actual monthly cost varies by lender, credit, taxes assessed at closing, and insurance carrier. This is not a loan offer or pre-approval.

Location

About Charlotte

Metro core · Multi-ZIP coverage

The metro itself — Christy works Charlotte across multiple sub-markets, from the inner-ring streetcar suburbs through Ballantyne and the East side.

Explore Charlotte

Similar in Charlotte

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.