18007 Harbor Light Blvd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 18007 Harbor Light Blvd, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 6,357 sqft · built 1999
Lot Size	0.433 acres (18,861 sqft)
Owner	Individual Name on Record
Last Sale	$7,300,000 (Sep 2025)
Tax Bill	$19,900 (2024)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-322-38`

Property Details

APN / Parcel Number

Primary APN	`001-322-38`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,357 sqft Living Area
1st Floor Area	2,516 sqft
Upper Floors Area	2,441 sqft
Basement Area	2,516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Exterior Material	Stucco
Foundation Type	Raised
Roof Type	Hip
Roof Material	Wood
Lot Area	18,861 sqft (0.433 acres)
View / Lot	Waterfront
Garage Area	726 sqft

Exterior Amenities

Pool Area	75 sqft
Porch	Finished/Open Porch
Porch Area	1,651 sqft
Deck Area	324 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	18007 HARBOR LIGHT BLVD
City	CORNELIUS
State	NC
Zip	28031-5515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L544 M64-627
Legal Subdivision	PENINSULA
Legal Block	2
Legal Lot Number	544
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 October 2, 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	18007 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-5515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED FIDELITY FUNDING CORPORATION
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Sep 15, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED FIDELITY FUNDING CORP
Dec 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2025 · Amount on Record
Deed Sale	Sep 15, 2025 · Amount on Record
Prior Sale	Apr 3, 2013 · Amount on Record
Deed Document Number	202593491
Deed Book / Page	39858 / 869
Prior Transfer Date	Dec 6, 2018
Prior Transfer Doc	0000156775
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 21, 2026
Property Address	18007 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-5515
Document Number	0000101369
Book / Page	40727 / 243
Instrument Date	Sep 15, 2026
Instrument	2026101369
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	MASTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18007 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-5515

Mortgage

Document Number	0000101369,
Date	Sep 21, 2026
Book Page	40727/243
Instrument	2026101369

Lender

Name	UNITED FIDELITY FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18007 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-5515
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000184876
Date	Sep 27, 2021
Book Page	36576/339
Instrument	2021184876

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

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

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 15, 2025
Property Address	18007 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-5515
Document Number	0000093491
Book / Page	39858 / 869
Map Reference	MB 64 PG 627
Instrument Date	Sep 9, 2025
Instrument	2025093491
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	65 FALCON POINT RD, JOHNS ISLAND, SC 29455-5800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18007 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-5515

Mortgage

Document Number	0000093492
Date	Sep 15, 2025
Instrument	2025093492

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2065

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 20, 2018
Property Address	18007 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-5515
Document Number	0000156775
Book / Page	033183 / 000448
Instrument Date	Dec 6, 2018
Instrument	156775
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	18007 HARBOR LIGHT BLVD CORNELIUS NC 280315515, CORNELIUS, NC 28031-5515

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		$2,826,000 Land $1,300,000 Building $1,526,000	$2,826,000 (-) Land $1,300,000 Building $1,526,000
2024	$19,900.00
2023			$2,826,000 Land $1,300,000 Building $1,526,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 97% of the US · lower than 98.5% 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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