18324 Harbor Light Blvd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 18324 Harbor Light Blvd, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,741 sqft · built 2022
Lot Size	0.365 acres (15,899 sqft)
Owner	Individual Name on Record
Last Sale	$950,000 (Feb 2017)
Tax Bill	$20,176 (2025)
Deeds & Mortgages	Jan 2022 Construction Loan Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-322-20`

Property Details

APN / Parcel Number

Primary APN	`001-322-20`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	5,741 sqft Living Area
Gross Area	6,742 sqft
1st Floor Area	2,960 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Raised
Roof Material	Other
Lot Area	15,899 sqft (0.365 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,001 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18324 HARBOR LIGHT BLVD
City	CORNELIUS
State	NC
Zip	28031-7793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L527 M27-106
Legal Subdivision	PENINSULA
Legal Block	2
Legal Lot Number	527
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 July 14, 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	9606 BAILEY RD, 250, CORNELIUS, NC 28031-6125
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · Construction Mortgage UNITED COMMUNITY BANK
Jul 13, 2020	Deed of Trust, Mortgage DOUGLAS JOHN C (TE)
Feb 10, 2017	Warranty Deed, Transfer · Line of Credit DOUGLAS JOHN C TRUST (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2017 · Amount on Record
Deed Sale	Feb 10, 2017 · Amount on Record
Prior Sale	Aug 30, 2016 · Amount on Record
Deed Document Number	201717869
Deed Book / Page	31558 / 868
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18324 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7793
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18303 PINE META CT, CORNELIUS, NC 28031-7575

Mortgage

Document Number	0000003815
Date	Jan 7, 2022
Book Page	36949/774
Instrument	2022003815

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Feb 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	Other
Max Rate	8.75%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18324 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7793
Document Number	0000106106
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18324 HARBOR LIGHT BLVD CORNELIUS NC 28031, CORNELIUS, NC 28031

Mortgage

Document Number	0000106106
Date	Jul 14, 2020
Book Page	034800/000831
Instrument	106106

Lender

Name	DOUGLAS JOHN C (TE)
Address	4621 BAYSHORE BLVD NE, ST PETERSBURG, FL 33703-5561

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Jul 13, 2023

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Feb 10, 2017
Property Address	18324 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7793
Document Number	0000017869
Book / Page	031558 / 000868
Instrument Date	Feb 8, 2017
Instrument	17869
Transaction Type	Transfer
Record Updated	Feb 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9606 BAILEY RD #250 CORNELIUS NC 280316116, 250, CORNELIUS, NC 28031-6116

Mortgage

Document Number	17870
Date	Feb 10, 2017
Book Page	031558/000870
Instrument	17870

Lender

Name	DOUGLAS JOHN C TRUST (PT)
Address	4621 BAYSHORE BLVD NE, ST PETERSBURG, FL 33703-5561

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Feb 9, 2020

Interest

Rate Type	Adjustable Rate

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	$20,176.00	$3,022,280 Land $1,300,000 Building $1,722,280	$3,022,280 Land $1,300,000 Building $1,722,280

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 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 98% of the US · lower than 99% 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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