16706 Spinnaker Ln, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 16706 Spinnaker Ln, Cornelius, NC 28031

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,929 sqft · built 1982
Lot Size	0.036 acres (1,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Sep 2020)
Tax Bill	$2,972 (2023)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-421-16`

Property Details

APN / Parcel Number

Primary APN	`001-421-16`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,929 sqft Heated Area
Gross Area	1,956 sqft
1st Floor Area	1,017 sqft
Upper Floors Area	787 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	1,602 sqft (0.036 acres)
Porch	Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	001-421-16
Street Address	16706 SPINNAKER LN
City	CORNELIUS
State	NC
Zip	28031-8652
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	NR
Legal Description	L24 BA M20-64
Legal Subdivision	MARINER VILLAS
Legal Block	A
Legal Lot Number	24
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1003
Census Tract	6220

Owner

Source: Mecklenburg County records, as of May 24, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	16706 SPINNAKER LN, CORNELIUS, NC 28031-8652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FIN'L NTWK INC
Aug 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 23, 2017	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2020 · Amount on Record
Deed Sale	Sep 24, 2020 · Amount on Record
Prior Sale	Aug 29, 2007 · Amount on Record
Deed Document Number	0035095529
Deed Book / Page	35095 / 529
Record Updated	Jun 7, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 24, 2020
Property Address	16706 SPINNAKER LN, CORNELIUS, NC 28031-8652
Document Number	0000155774
Book / Page	035095 / 000529
Instrument Date	Sep 24, 2020
Instrument	155774
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	TRYON TITLE AGENCY LLC, TRYON TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$590.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16706 SPINNAKER LN CORNELIUS NC 280318652, CORNELIUS, NC 28031-8652

Mortgage

Document Number	155775
Date	Sep 24, 2020
Book Page	035095/000533
Instrument	155775

Lender

Name	AMERICAN FIN'L NTWK INC
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	16706 SPINNAKER LN, CORNELIUS, NC 28031-8652
Document Number	0000107676
Instrument Date	Aug 14, 2019
Transaction Type	Mortgage
Record Updated	Sep 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16706 SPINNAKER LN CORNELIUS NC 280318652, CORNELIUS, NC 28031-8652

Mortgage

Document Number	0000107676
Date	Aug 19, 2019
Book Page	033771/000078
Instrument	107676

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 23, 2017
Property Address	16706 SPINNAKER LN, CORNELIUS, NC 28031-8652
Document Number	0000083690
Book / Page	031906 / 000772
Instrument Date	Jun 23, 2017
Instrument	83690
Transaction Type	Transfer
Record Updated	Jul 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$394.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16706 SPINNAKER LN CORNELIUS NC 280318652, CORNELIUS, NC 28031-8652

Mortgage

Document Number	83691
Date	Jun 23, 2017
Book Page	031906/000776
Instrument	83691

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Cornelius Town
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	May 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable	1,000 / 1,000
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Google Fiber.

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