18332 Harbor Light Blvd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 18332 Harbor Light Blvd, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 6,274 sqft · built 1999
Lot Size	0.397 acres (17,293 sqft)
Owner	2 Individual Names on File
Last Sale	$2,400,000 (Jul 2020)
Tax Bill	$20,069 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-322-19`

Property Details

APN / Parcel Number

Primary APN	`001-322-19`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	6,274 sqft Living Area
Gross Area	7,091 sqft
1st Floor Area	2,793 sqft
Upper Floors Area	1,494 sqft
Basement Area	2,742 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Other
Lot Area	17,293 sqft (0.397 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	817 sqft
Porch	Finished/Open Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	18332 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	L526 M27-106
Legal Subdivision	PENINSULA
Legal Block	2
Legal Lot Number	526
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1019
Census Tract	6219

Owner

18332 Harbor Light Blvd is owned and occupied by two individuals who bought it in July 2020.

Source: Mecklenburg County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18332 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7793
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2020 · Amount on File
Deed Sale	Jul 28, 2020 · Amount on File
Prior Sale	Sep 16, 1997 · Amount on File
Deed Document Number	2020115453
Deed Book / Page	34858 / 57
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18332 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7793
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000240526
Date	Dec 22, 2021
Book Page	36898/594
Instrument	2021240526

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Oct 28, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18332 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7793
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082808
Date	Apr 27, 2021
Book Page	35989/929
Instrument	2021082808

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	May 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	Other
Max Rate	7.62%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 28, 2020
Property Address	18332 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7793
Document Number	0000115453
Book / Page	34858 / 57
Map Reference	MB 27 PG 106
Instrument Date	Jul 28, 2020
Instrument	2020115453
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000115454
Date	Jul 28, 2020
Instrument	2020115454

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 18332 Harbor Light Blvd was $20,069.

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	$20,069.00	$3,006,100 Land $1,300,000 Building $1,706,100	$3,006,100 Land $1,300,000 Building $1,706,100

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

Flood

FEMA maps place 18332 Harbor Light Blvd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 18332 Harbor Light Blvd is low, with less than a 0.01% annual chance of 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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