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
Gallery — 48 photos
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.


