16902 Harbor Master Cv, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 16902 Harbor Master Cv, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	5 bd · 6.5 ba · 8,153 sqft · built 1998
Lot Size	0.346 acres (15,072 sqft)
Owner	Individual Name on Record
Last Sale	$2,800,000 (Apr 1999)
Tax Bill	$24,924 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-322-50`

Property Details

APN / Parcel Number

Primary APN	`001-322-50`

Interior

Bedrooms	5 Beds
Full Baths	6.5 Baths
Half Baths	3 Half Baths
Stories	2 Stories
Building Area	8,153 sqft Living Area
Gross Area	9,036 sqft
1st Floor Area	3,434 sqft
Upper Floors Area	1,876 sqft
Basement Area	2,778 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Exterior Material	Stone
Construction Type	Frame
Roof Material	Tile
Lot Area	15,072 sqft (0.346 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	883 sqft
Pool Area	200 sqft
Porch	Finished/Open Porch
Porch Area	1,100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	16902 HARBOR MASTER CV
City	CORNELIUS
State	NC
Zip	28031-7797
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L556 M27-904
Legal Subdivision	PENNISULA PH XVII
Legal Block	2
Legal Lot Number	556
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1017
Census Tract	6218

Owner

Source: Mecklenburg County records, as of September 22, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	16902 HARBOR MASTER CV, CORNELIUS, NC 28031-7797
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit BAY BANK TRUST COMPANY
Jul 31, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 1, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 1999 · Amount on Record
Deed Sale	Apr 12, 1999 · Amount on Record
Deed Document Number	199963520
Deed Book / Page	10389 / 19
Last Transfer Date	Apr 7, 2021
Transfer Doc	0000107574
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 8, 2026
Property Address	16902 HARBOR MASTER CV, CORNELIUS, NC 28031-7797
Document Number	0000096589
Book / Page	40700 / 127
Instrument Date	Sep 1, 2026
Instrument	202696589
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16902 HARBOR MASTER CV, CORNELIUS, NC 28031-7797

Mortgage

Document Number	0000096589,
Date	Sep 8, 2026
Book Page	40700/127
Instrument	202696589

Lender

Name	BAY BANK TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 31, 2026
Property Address	16902 HARBOR MASTER CV, CORNELIUS, NC 28031-7797
Document Number	0000082184
Book / Page	40614 / 829
Instrument Date	Jul 30, 2026
Instrument	202682184
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16902 HARBOR MASTER CV, CORNELIUS, NC 28031-7797

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	16902 HARBOR MASTER CV, CORNELIUS, NC 28031-7797
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000157198
Date	Aug 16, 2021
Book Page	36413/651
Instrument	2021157198

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.14%
Type Change Date	Sep 1, 2031
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.14%
Index	1-Year CMT
Max Rate	9.14%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 1, 2021
Property Address	16902 HARBOR MASTER CV, CORNELIUS, NC 28031-7797
Document Number	0000107574
Book / Page	36131 / 395
Map Reference	MB 27 PG 904
Instrument Date	Apr 7, 2021
Instrument	2021107574
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 681, WEST INDIES XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 W LIBERTY ST STE 100, 100, RENO, NV 89501-1927

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$24,924.00 (+1.48%)	$3,735,300 Land $1,300,000 Building $2,435,300	$3,735,300 Land $1,300,000 Building $2,435,300
2024	$24,560.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force

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 99.1% of the US · lower than 99.5% 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
TDS Telecom Cable	1,000 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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