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Cornelius · Cornelius, NC

21617 Rio Oro Drive

Cornelius, NC · 4,971 sqft

$2,175,000

  • 4Beds
  • 4.5Baths
  • 4,971SqFt
  • 2026Year
  • 1Days on market

About this home

Designed for those who appreciate exceptional craftsmanship, this custom home delivers a level of quality and detail rarely found in new construction. From the 10 foot ceilings on every level to the wide-plank European white oak flooring throughout, every inch of this home was professionally designed with quiet luxury in mind — the kind of thoughtful, layered detail a homeowner would choose for themselves and built to offer a seamless mix of elegance, sophistication, and modern livability. The heart of the home is the open concept main-level entertaining space, anchored by a quartzite fireplace & framed in fluted white oak paneling — a detail that instantly elevates the space from beautiful to unforgettable. It's flanked by a built-in bench seat with pull-out drawers and built in storage. The kitchen carries that same intention forward with custom two tone cabinetry, a dramatic 2.5" waterfall-edge island, built-in seating with additional storage, and abundant windows that fill the space with natural light. And no custom home is complete without a scullery — and this one is a showstopper. Fully equipped with a full-size second refrigerator, a second dishwasher, a microwave, abundant custom cabinetry, generous storage, and gorgeous leathered quartz countertops, all tucked just out of sight so entertaining always looks effortless and the kitchen always looks picture-perfect. Just beyond, a wet bar with white oak floating shelves and under-mount lighting leads you toward the low-maintenance backyard oasis. The main level also features a private guest suite with its own en suite bath finished like a boutique hotel — an oversized walk-in shower enclosed in floor-to-ceiling tile, so beautiful your guests won’t want to leave. A color-drenched dedicated home office is tucked away for effortless work-from-home days, and an elegant powder bath features a floating Viola Calacatta marble sink with a wall-mounted faucet — details you won’t find in a typical spec home. Upstairs, the primary suite lives like its own private wing, spanning over 1,000 square feet. The spa-inspired bath features an oversized tile shower enclosed in floor-to-ceiling glass, dual vanities highlighted by a decorative marble backsplash and wall-mounted fixtures, plus two oversized custom walk-in closets built for real life. The bonus room truly sets this home apart — a wall of floor-to-ceiling windows floods the space with natural light and offers endless possibilities for how you use it. The laundry room has abundant storage and counter space and the guest bedrooms are generous. Step outside to a covered back porch overlooking a private, professionally landscaped backyard, where low-maintenance design means more time to enjoy it and less time maintaining it, plus there is room to add a pool. Just a short walk away, residents enjoy private community lake access with a dock and ramp, putting the lake within reach any time you choose, while boutique shopping, top-ranked restaurants, and the new pickleball scene at Serve are all just around the corner. Every great lake town has a neighborhood on the rise. On the shoreline of Lake Norman, that neighborhood is Bahia Bay — where a new generation of architecturally significant custom homes are shaping the future of the neighborhood- all in one of North Carolina’s most celebrated lake towns. You'll love living here.

Property details

Beds
4
Baths
4.5
SqFt
4,971
Lot
Year built
2026
Type
Single Family
Days on market
1
Garage
2
Style
Contemporary, Modern
Heating
Heat Pump
Cooling
Heat Pump
Foundation
Slab
Flooring
Hardwood, Tile
View
Water
HOA dues
$75 / yr

Features

  • Attic Stairs Pulldown
  • Breakfast Bar
  • Built-in Features
  • Drop Zone
  • Entrance Foyer
  • Kitchen Island
  • Open Floorplan
  • Pantry
  • Storage
  • Walk-In Closet(s)
  • Walk-In Pantry
  • Wet Bar
  • In-Ground Irrigation

Payment estimate

Estimated monthly payment

Includes P&I, tax, insurance, HOA

$15,742/ month

Principal & interest
$13,470
Property tax (~0.90%)
$1,631
Homeowners insurance
$634
HOA dues
$6

Down payment

$108,750 down · $2,066,250 financed

Income to qualify (28% rule)

~$674,669 / 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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