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21506 Rio Oro Dr, Cornelius, NC, 28031

6beds
8baths
5,616sqft
$4,300,000
$766price/sqft
$25,573/moest. monthly cost
$1,022,920/yrincome needed

About This Home

Exceptional proposed new construction waterfront modern residence, envisioned as a striking three story design with approximately 5616 square feet of interior living space plus 528 square foot garage. Upon completion the home is designed to make an immediate statement with clean architectural lines, bold massing wood accents and expansive glass that floods the interiors with natural light and frames the lake. Curated lighting is planned throughout the home to elevate the architecture after dark and create a refined intentional atmosphere. Inside, the main level is planned around dramatic volume and seamless flow, with white oak hardwood floors, floor to ceiling windows and doors and large stacked sliding systems designed to fully open the living spaces to the outdoors while perfectly framing the water. At the center of the home the chef's kitchen is planned as both a statement and a workhorse, featuring custom cabinetry and a full suite of high end Monogram appliances including a 48" range and 48" refrigerator . A substantial 5X12 island anchors the space, while a dedicated scullery supports effortless prep, catering, and entertaining with everything kept streamlined and out of sight. A built in bar area is also planned to elevate hosting and everyday convenience. Large scale sliders are designed to open to the covered porch and terrace, creating a true indoor outdoor experience. The rear concept is designed around resort style waterfront living with an option for a future infinity edge pool and hot tub, generous paver stone terraces, and layered spaces for dining and lounging that are positioned to maximize views. The primary suite is planned on the main level as a private retreat with a spacious dressing room and spa inspired bath. Upstairs five additional bedrooms plus a dedicated office are designed for comfort and flexibility, with multiple ensuite baths and generous storage throughout. The third level adds a distinctive lifestyle feature with a rec room, powder bath and roof terrace, creating an ideal space for sunset view or a private lounge above it all. a rare opportunity to secure a design driven modern build where architecture, scale, and waterfront lifestyle come together in a truly one of a kind offering. Planned features and finishes are subject to change prior to completion.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

5/10
Cornelius ElementaryGrades K-51.6 mi
10/10
Bailey Middle SchoolGrades 6-83.4 mi
6/10
William Amos Hough HighGrades 9-123.8 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Crawl Space
  • Roof: Flat
  • Construction materials: Stucco

Other

  • Builder name: Cape Custom Homes LLC

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Modern
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Bar Fridge,Microwave,Convection Oven,Dishwasher,Disposal,Electric Oven,Gas Cooktop,Plumbed For Ice Maker,Tankless Water Heater
  • Laundry features: Electric Dryer Hookup,Main Level

Bar Entertainment

  • Level: Main

Bathroom Full

  • Level: Main

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Full

  • Level: Upper

Bathroom Half

  • Level: Main

Bathroom Half

  • Level: Third

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedroom S

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 8
  • Full bathrooms: 6
  • 1/2 bathrooms: 2
  • Main level bedrooms: 1

Dining Area

  • Level: Main

Family Room

  • Level: Main

Features

  • Built-in Features,Drop Zone,Kitchen Island,Open Floorplan,Walk-In Closet(s),Walk-In Pantry,Wet Bar
  • Door features: Sliding Doors
  • Window features: Insulated Windows
  • Flooring: Tile,Wood
  • Fireplace features: Family Room
  • Finished area below ground: 0
  • Finished area above ground: 5,616

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,124
  • Total interior livable area: 5,616 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Office

  • Level: Upper

Other

  • Level: Main

Primary Bedroom

  • Level: Main

Recreation Room

  • Level: Third

Property

Details

  • Parcel number: 00129719
  • Zoning: GR
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Patio,Rear Porch
  • Exterior features: In-Ground Irrigation,Rooftop Terrace
  • Fencing: Fenced
  • Has view: Yes
  • View description: Water,Year Round
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Dock,Waterfront
  • Waterbody name: Lake Norman

Lot

  • Lot size: 0.29 Acres

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener,Garage Faces Front,Keypad Entry,Garage on Main Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

No climate risk data available.

How This Home’s Risks Compare

FEMA Declared Disasters in Mecklenburg County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $21,743$260,916
Home Insurance *$1,319$15,828
Property Taxes $1,988$23,856
Electricity $523$6,276
Total$25,573$306,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$876,788/yr
40% on housing$767,190/yr
45% on housing$681,946/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$766This listing

vs Other Active Listings

Avg $/sqft

ZIP 28031$372
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28031$308
Mecklenburg County$238

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-02Listed for sale$4,300,000
2001-09-19Sold$265,000

New Construction

AgentChristy Walker
BrokeragePremier Sotheby's International Realty

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