18218 Harbor Light Blvd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 18218 Harbor Light Blvd, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	7 bd · 6 ba · 6,062 sqft · built 1998
Lot Size	0.393 acres (17,162 sqft)
Owner	Individual Name on Record
Last Sale	$3,800,000 (Oct 2022)
Tax Bill	$28,170 (2023)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-322-23`

Property Details

APN / Parcel Number

Primary APN	`001-322-23`

Interior

Bedrooms	7 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,062 sqft Heated Area
Gross Area	7,730 sqft
1st Floor Area	2,786 sqft
Upper Floors Area	1,301 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Other
Exterior Material	Stucco
Foundation Type	Raised
Roof Material	Tile
Lot Area	17,162 sqft (0.393 acres)
Garage Area	826 sqft
Porch	Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	001-322-23
Street Address	18218 HARBOR LIGHT BLVD
City	CORNELIUS
State	NC
Zip	28031-7791
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L529 M27-105
Legal Subdivision	PENINSULA
Legal Lot Number	529
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1019
Census Tract	6219

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	18218 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7791
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2022	Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Jan 25, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 10, 2020	Deed of Trust, Mortgage FIFTH THIRD BK NA
Feb 28, 2019	Warranty Deed, Transfer · ARM FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2022 · Amount on Record
Deed Sale	Oct 12, 2022 · Amount on Record
Prior Sale	Feb 28, 2019 · Amount on Record
Deed Document Number	0037707767
Deed Book / Page	37707 / 767
Record Updated	Jun 7, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 12, 2022
Property Address	18218 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7791
Document Number	0000141872
Book / Page	37707 / 767
Map Reference	MB 27 PG 105
Instrument Date	Oct 6, 2022
Instrument	2022141872
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17031 GREEN DOLPHIN LN, CORNELIUS, NC 28031-7690

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18218 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7791

Mortgage

Document Number	0000141873
Date	Oct 12, 2022
Instrument	2022141873

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.95%
Type Change Date	Nov 1, 2029
Change Frequency	Monthly
Min Rate At Change	3.95%
Max Rate At Change	7.95%
Index	Other
Margin	3
Max Rate	10.9%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18218 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7791
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010099
Date	Jan 25, 2017
Book Page	31519/546
Instrument	2017010099

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27603

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18218 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7791
Document Number	0000087078
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18218 HARBOR LIGHT BLVD CORNELIUS NC 280317791, CORNELIUS, NC 28031-7791

Mortgage

Document Number	0000087078
Date	Jun 15, 2020
Book Page	034685/000741
Instrument	87078

Lender

Name	FIFTH THIRD BK NA
Address	5001 KINGSLEY DR MD 1MOB2X, CINCINNATI, OH 45227

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.49%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 28, 2019
Property Address	18218 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7791
Document Number	0000022269
Book / Page	33315 / 242
Map Reference	MB 27 PG 105
Instrument Date	Feb 28, 2019
Instrument	2019022269
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18516 BALMORE PINES LN, 18516, CORNELIUS, NC 28031-5206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18218 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7791

Mortgage

Document Number	0000022270
Date	Feb 28, 2019
Instrument	2019022270

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

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
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 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 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 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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