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21334 Sandy Cove Rd, Cornelius, NC, 28031

3beds
3baths
2,101sqft
$625,000
$297price/sqft
$3,834/moest. monthly cost
$153,360/yrincome needed

About This Home

IMMACULATE 3 BD + 3 full BA RANCH home in Rockridge Shores on Lake Norman! The perfect floor plan for entertaining. Updated kitchen features huge island with plenty of bar seating plus a dining area. Recessed lighting living room along with built-in bookshelves and recently refinished real wood flooring. Secondary living room is being used as a play room. Home office is right off of the secondary living room and has a closet. Beautifully remodeled primary bathroom and updated secondary bathrooms. Fully encapsulated pristine crawl space, new air ducts and new windows from Windows by Andersen. Enjoy the fire pit and garden in the fully fenced backyard. This neighborhood allows the convenience of parking your boat right in your driveway, avoiding the expense of outside storage. Boat ramp to lake access is right across the street! *ASK ABOUT CLOSING COST CREDITS USING PREFERRED LENDER**

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
Cornelius ElementaryGrades K-51.3 mi
10/10
Bailey Middle SchoolGrades 6-83.1 mi
7/10
William Amos Hough HighGrades 9-123.5 mi

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Crawl Space
  • Construction materials: Fiber Cement

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Filtration System,Gas Cooktop
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Window features: Insulated Windows
  • Finished area below ground: 0
  • Finished area above ground: 2,101

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 2,101
  • Total interior livable area: 2,101 sqft

Primary Bedroom

  • Level: Main
  • Area: 168
  • Dimensions: 12' 0" X 14' 0"

Property

Details

  • Parcel number: 00140314
  • Zoning: GR
  • Special condition: Standard
  • Exclusions: Wall mounts for all tv's will not convey. Holes will be patched and painted. White shelfing over toilet in secondary bathroom will not convey.

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Awning(s),Deck
  • Exterior features: Fire Pit,Storage Unit (Off Site)
  • Fencing: Fenced
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Boat Ramp
  • Waterbody name: Lake Norman

Lot

  • Lot size: 0.52 Acres

Parking

  • Parking features: Driveway
  • 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 $3,160$37,920
Home Insurance *$191$2,292
Property Taxes $283$3,396
Electricity $200$2,405
Total$3,834$46,008
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,451/yr
40% on housing$115,020/yr
45% on housing$102,240/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

$297This listing

vs Other Active Listings

Avg $/sqft

ZIP 28031$377
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
2026-08-05Price change$599,000
2026-07-28Price change$625,000
2026-07-24Listed for sale$650,000
2018-11-09Sold$350,000
2018-10-18Listed for sale$355,000
2018-09-28Pending sale$355,000
2018-09-21Price change$355,000
2018-08-17Listed for sale$365,000
2014-09-15Sold$244,000
2014-06-26Price change$244,000
2014-06-01Listed for sale$249,000
2014-02-05Listing removed$239,000
2014-01-17Listed for sale$239,000
2013-12-09Price change$1,595
2013-10-26Price change$1,795
2013-10-20Listed for rent$1,895
2006-03-15Sold$200,000
2001-04-27Sold$156,000
1999-10-14Sold$41,000

For Sale by Agent

AgentAngie Wilson
BrokerageWilson Realty

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