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.


