1. Home
  2. North Carolina
  3. Mecklenburg County
  4. Cornelius
  5. Harbor Mist Rd

18225 Harbor Mist Rd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 18225 Harbor Mist Rd, Cornelius, NC 28031

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,403 sqft · built 2003
Lot Size0.253 acres (11,043 sqft)
OwnerIndividual Name on File
Last Sale$362,000 (Aug 2020)
Tax Bill$3,998 (2023)
Deeds & MortgagesMar 2025 Sale & Mortgage
Sep 2018 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN003-195-75

Property Details

APN / Parcel Number

Primary APN003-195-75

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,403 sqft Heated Area
Gross Area3,133 sqft
1st Floor Area1,241 sqft
Upper Floors Area1,162 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Lot Area11,043 sqft (0.253 acres)
Garage Area380 sqft
PorchPorch
Porch Area350 sqft
Patio Area100 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number003-195-75
Street Address18225 HARBOR MIST RD
CityCORNELIUS
StateNC
Zip28031-6053
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeNR
Legal DescriptionL203 M38-417
Legal SubdivisionVICTORIA BAY PH 01B & 02 MAP 1
Legal Lot Number203
JurisdictionMECKLENBURG NC
Township / Civil Division9, DEWEESE
Census Block Group2
Census Block2026
Census Tract6408

Owner

18225 Harbor Mist Rd is owned and occupied by an individual who bought it in August 2020.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address18225 HARBOR MIST RD, CORNELIUS, NC 28031-6053
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Mar 6, 2025Warranty Deed, Transfer · Conventional Mortgage
BANK OF AMERICA NA
Sep 28, 2018Deed of Trust, Mortgage · Line of Credit
STATE EMPLOYEES CU
Jun 20, 2019Deed of Trust, Mortgage · ARM
STATE EMPLOYEES CU
Aug 24, 2020Warranty Deed, Transfer · Conventional Mortgage
NFM INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 24, 2020 · Amount on File
Deed SaleAug 24, 2020 · Amount on File
Prior SaleJul 9, 2008 · Amount on File
Deed Document Number0034964618
Deed Book / Page34964 / 618
Record UpdatedSep 20, 2026

March 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateMar 6, 2025
Property Address18225 HARBOR MIST RD, CORNELIUS, NC 28031-6053
Document Number0000020822
Book / Page39423 / 923
Map ReferenceMB 38 PG 417
Instrument DateMar 6, 2025
Instrument2025020822
Transaction TypeTransfer
Record UpdatedMay 22, 2026

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,134.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9524 CENNETTA CT, HUNTERSVILLE, NC 28078-6455

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address18225 HARBOR MIST RD, CORNELIUS, NC 28031-6053

Mortgage

Document Number0000020823
DateMar 6, 2025
Instrument2025020823
Lender
NameBANK OF AMERICA NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueApr 1, 2040

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address18225 HARBOR MIST RD, CORNELIUS, NC 28031-6053
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000122940
DateSep 28, 2018
Book Page33008/067
Instrument2018122940
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
AddressCORNELIUS, NC 28031
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMECKLENBURG NC
Property Address18225 HARBOR MIST RD, CORNELIUS, NC 28031-6053
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000076859
DateJun 20, 2019
Book Page33605/250
Instrument2019076859
Lender
NameSTATE EMPLOYEES CU
TypeCredit Union
AddressRALEIGH, NC 27611
Agreement
TypeARM
AmountAmount on Record
Term361 Months
DueJul 1, 2049
Interest
Rate TypeAdjustable Rate
Rate3.87%
AdjustableAdjustable Rate Rider
Change Frequency5 Years
Index5-Year CMT
Margin2

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMECKLENBURG NC
Recording DateAug 24, 2020
Property Address18225 HARBOR MIST RD, CORNELIUS, NC 28031-6053
Document Number0000133575
Book / Page34964 / 618
Map ReferenceMB 38 PG 417
Instrument DateAug 13, 2020
Instrument2020133575
Transaction TypeTransfer
Record UpdatedJun 15, 2021
Title CompanyMASTER TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$724.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address121 BUCKINGHAM PLACE RD, 121, MOORESVILLE, NC 28115-9177

Transferred To (Grantee/Buyer)

NameVerified Name
Address18225 HARBOR MIST RD, CORNELIUS, NC 28031-6053

Mortgage

Document Number0000133576
DateAug 24, 2020
Instrument2020133576
Lender
NameNFM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMecklenburg County
MunicipalityCornelius Town
Unified School DistrictCharlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 18225 Harbor Mist Rd in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

Wildfire risk around 18225 Harbor Mist Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemCHARLOTTE WATER
serves 1,206,285 people · EPA ID NC0160010
Water SourceSurface water
Last State InspectionJul 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 320 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Spectrum
Fiber · Cable in parts of the area		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

Nearby Properties on Harbor Mist Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures