16312 Cozy Cove Road, Charlotte, NC

About the home

Imagine a home that adapts perfectly to your lifestyle, offering three entirely separate living quarters without sacrificing a drop of luxury or lakefront charm. This 6,200-square-foot residence is a masterclass in versatility, designed specifically for multi-generational living or hosting guests with total independence. The finished walk-out lower level serves as a complete second home with its own full kitchen, two bedrooms, and two bathrooms, while a private upstairs apartment offers a third full kitchen and a dedicated bedroom suite. The lifestyle here revolves around the water. Step outside to a resort-style backyard where an inground pool and spa overlook your private dock, tucked away on a serene lake cove. Whether you’re launching a boat for a sunset cruise or enjoying a quiet morning on the screened porch, the connection to the water is seamless. Inside, the main level acts as a sophisticated central hub. A two-story great room with a three-sided fireplace creates a dramatic focal point, flowing into a chef’s kitchen designed for large-scale entertaining. The primary suite is also conveniently situated on the main floor, offering a secluded retreat with direct access to the expansive outdoor living areas. Located near the Palisades but notably free from HOA restrictions, this property offers a rare sense of privacy and freedom. You’ll enjoy the feeling of a secluded getaway while just a short drive from Charlotte’s premier dining, medical centers, and the international airport. It’s more than just a home; it’s a flexible, waterfront sanctuary built for the way you live today. **Seller is offering a 2/1 buydown with acceptable offer** Flyer with details attached.

Price in context

• Asking $442 per square foot.
• That is in line with the $446 median across 414 active $1.5M+ homes in Charlotte.
• 76th highest asking price of 414 active $1.5M+ homes in Charlotte.
• 56th largest by living area of the 394 with a recorded size.
• Reduced $745,000 (21.3%) from the original $3,495,000 asking price.
• 313 days on the market, listed 2025-11-21.
• County tax assessment $1,324,500; the asking price is 2.08× the assessed value.

Location

Neighborhood: None, Mecklenburg County, ZIP 28278.

Straight-line distances

• Quail Hollow Club: 12.0 mi
• Charlotte Douglas International Airport: 12.0 mi
• Wilson Air Center (private aviation, CLT): 12.0 mi
• SouthPark Mall: 14.0 mi
• Uptown Charlotte: 16.3 mi
• Charlotte Country Club: 17.7 mi

Features

Levels

One and One Half

Construction

Fiber Cement

Roof

Architectural Shingle

Bathrooms

5 full, 2 half

Basement

Apartment, Basement Garage Door, Daylight, Interior Entry, Partially Finished, Storage Space, Walk-Out Access

Fireplace

Yes

Interior

Attic Walk In, Cable Prewire, Garden Tub, Kitchen Island, Open Floorplan, Pantry, Split Bedroom, Walk-In Closet(s), Walk-In Pantry

Flooring

Carpet, Tile, Wood

Kitchen & appliances

Dishwasher, Disposal, Electric Oven, Exhaust Hood, Gas Cooktop, Refrigerator, Tankless Water Heater, Wine Refrigerator

Heating

Central, Heat Pump, Natural Gas

Cooling

Central Air, Heat Pump, Multi Units

Garage

4 spaces

Parking

Attached Garage, Garage Door Opener, Garage Faces Side, Garage Shop, Golf Cart Garage

Exterior

Fire Pit, Dock - Floating, Gas Grill, In-Ground Irrigation

Pool

Heated, In Ground, Outdoor Pool, Pool/Spa Combo, Salt Water

Waterfront

Dock

View

Water, Year Round

Lot

Waterfront

County

Mecklenburg

Comparable homes on the market

• 18210 Kalabash Road, Charlotte — $1,199,000, 4 bd, 3,217 sq ft, 0.2 mi away
• 16818 Harbor View Road, Charlotte — $1,095,000, 5 bd, 4,947 sq ft, 0.2 mi away
• 17424 Grasshopper Lane, Charlotte — $1,295,000, 2 bd, 1,202 sq ft, 0.5 mi away
• 16521 Governors Club Court, Charlotte — $1,043,000, 4 bd, 4,798 sq ft, 0.6 mi away
• 16619 Flintrock Falls Lane, Charlotte — $1,085,000, 5 bd, 5,348 sq ft, 0.7 mi away
• 4872 E Liberty Hill Road, York — $1,699,000, 4 bd, 5,233 sq ft, 0.7 mi away

See it privately

Nicholas and Miriam Peters show every home personally. Peters & Associates, 4401 Barclay Downs Dr #132, Charlotte, NC 28209. Office 704-264-4572. Request a private showing.