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John KurtzCharlotte · NC

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Charlotte · Charlotte, NC

16312 Cozy Cove Road

Charlotte, NC · 6,218 sqft

$2,950,000

Reduced from $3,495,000

  • 6Beds
  • 6Baths
  • 6,218SqFt
  • 2019Year
  • 291x172x100x40x214Lot
  • 194Days on market

About this home

Tranquil Waterfront Estate with Unmatched Multigenerational Flexibility

Positioned on a serene lake cove, this well-maintained 6,200-square-foot residence offers a rare combination of waterfront recreation and sophisticated, flexible living. The main level is anchored by a chef’s kitchen and a dramatic two-story great room featuring a three-sided fireplace, providing a central hub for daily life. The primary suite is conveniently located on the main floor, offering a private retreat with direct access to the home's extensive outdoor living options.

Designed for those who require distinct, independent spaces, the property features two separate living quarters. The finished walk-out basement includes a full kitchen, two bedrooms, and two bathrooms, serving as a guest wing or recreation level with easy access to the screened porch and pool. Additionally, a private upstairs apartment offers a third full kitchen, bedroom, and 1.5 baths—ideal for live-in assistance or an in-law suite. Outside, the resort-style backyard features an inground pool and spa overlooking a private dock. Located near the Palisades but free from HOA restrictions, this home provides a quiet retreat with quick access to Charlotte’s dining, medical centers, and the international airport.

Property details

Beds
6
Baths
6
SqFt
6,218
Lot
291x172x100x40x214
Year built
2019
Type
Single Family
Days on market
194
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

$21,711/ month

Principal & interest
$18,270
Property tax (~1.05%)
$2,581
Homeowners insurance
$860
HOA dues

Down payment

$147,500 down · $2,802,500 financed

Income to qualify (28% rule)

~$930,508 / year household

A rough rule — actual qualification depends on your full debt picture, credit, and the lender. John can introduce you to lenders he 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

Begin the conversation

When you're
ready, so am I.

Whether you're quietly considering a move or simply curious about what your home might bring today, I welcome the conversation. Every relationship begins with a coffee.