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Cornelius · Cornelius, NC

21307 Baltic Drive

Cornelius, NC · 3,952 sqft

$1,374,500

Reduced from $1,435,000

  • 4Beds
  • 3.5Baths
  • 3,952SqFt
  • 2007Year
  • 144Days on market

About this home

Rare opportunity to own a custom Simonini Homes residence in one of Cornelius’ most desirable Lake Norman locations, complete with a deeded boat slip just three homes away. Offering nearly 4,000 square feet, lake views, timeless full-brick construction, and an exceptional location, this home combines quality craftsmanship with the opportunity for a buyer to make it their own. Compelling Value: The home appraised for over $1.6 million in November 2025 and is now offered at $1,374,500. While market conditions and appraised values can change, the prior valuation provides meaningful context for the opportunity at today’s asking price. For a buyer who would like to reimagine the backyard or create a more substantial outdoor living space, the current price may provide room to make that investment while creating a property tailored to their lifestyle. Inside, the open and inviting floor plan is designed for both everyday living and entertaining. The chef’s kitchen features Wolf and Sub-Zero appliances and opens to comfortable living spaces filled with natural light. A screened porch with fireplace provides year-round enjoyment and beautiful lake views, extending the living space outdoors. Thoughtfully built by Simonini Homes, the residence features the craftsmanship and details expected from one of the area’s premier custom builders. Recent improvements include a newer roof, updated HVAC systems (2017 & 2025), tankless water heater, and an encapsulated crawl space with dehumidifier, offering added efficiency and peace of mind. Additional highlights include mature landscaping, a two-car garage, and a prime Cornelius location just minutes from dining, shopping, marinas, and Lake Norman amenities. With a deeded boat slip only three homes away, nearly 4,000 square feet of living space, lake views, quality construction, and an asking price more than $200,000 below the home’s November 2025 appraised value, this is a unique opportunity for a buyer with the vision to take an already exceptional property and make it their own.

Property details

Beds
4
Baths
3.5
SqFt
3,952
Lot
Year built
2007
Type
Single Family
Days on market
144
Garage
2
Style
Traditional
Heating
Forced Air
Cooling
Central Air
Foundation
Crawl Space
Flooring
Carpet, Wood
View
Water
HOA dues
$532 / 6mo

Features

  • Dock - Floating

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$10,033/ month

Principal & interest
$8,512
Property tax (~0.90%)
$1,030
Homeowners insurance
$400
HOA dues
$88

Down payment

$68,725 down · $1,305,775 financed

Income to qualify (28% rule)

~$429,991 / 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 Cornelius

Lake Norman · Old Town walkable

North Mecklenburg lake town between Huntersville and Davidson — Old Town walkability, Lake Norman shoreline, and a tighter inventory profile than its neighbors.

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