Mecklenburg County property record for 18521 Torrence Chapel Estates Cir, Cornelius, NC 28031
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,334 sqft · built 2004 |
| Lot Size | 0.316 acres (13,801 sqft) |
| Owner | Individual Name on File |
| Last Sale | $435,000 (Oct 2022) |
| Tax Bill | $3,509 (2023) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-743-15 |
| Primary APN | 001-743-15 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,334 sqft Heated Area |
| Gross Area | 2,948 sqft |
| 1st Floor Area | 946 sqft |
| Upper Floors Area | 1,388 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 13,801 sqft (0.316 acres) |
| Garage Area | 420 sqft |
| Porch | Porch |
| Porch Area | 194 sqft |
| Deck Area | 572 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 001-743-15 |
|---|---|
| Street Address | 18521 TORRENCE CHAPEL ESTATES CIR |
| City | CORNELIUS |
| State | NC |
| Zip | 28031-6856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Description | L31 M39-809 |
| Legal Subdivision | TORRENCE CHAPEL ESTATES |
| Legal Lot Number | 31 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 6217 |
18521 Torrence Chapel Estates Cir is owned and occupied by an individual who bought it in October 2022.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 18521 TORRENCE CHAPEL ESTATES CIR, CORNELIUS, NC 28031-6856 |
| 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.
| Date | Document |
|---|---|
| Sep 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Oct 27, 2022 | Warranty Deed, Transfer · Conventional Mortgage ALLEN TATE MORTGAGE PARTNERS LLC |
| May 2, 2022 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2022 · Amount on File |
| Deed Sale | Oct 27, 2022 · Amount on File |
| Prior Sale | May 2, 2022 · Amount on File |
| Deed Document Number | 0037737827 |
| Deed Book / Page | 37737 / 827 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 18521 TORRENCE CHAPEL ESTATES CIR, CORNELIUS, NC 28031-6856 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 18521 TORRENCE CHAPEL ESTATES CIR, CORNELIUS, NC 28031-6856 |
| Document Number | 0000185133 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 36577/763 |
| Instrument | 2021185133 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 292 Months |
| Due | Jan 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 27, 2022 |
| Property Address | 18521 TORRENCE CHAPEL ESTATES CIR, CORNELIUS, NC 28031-6856 |
| Document Number | 0000147631 |
| Book / Page | 37737 / 827 |
| Map Reference | MB 39 PG 809 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 2022147631 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | OS NATIONAL LLC, OS NATIONAL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 18521 TORRENCE CHAPEL ESTATES CIR, CORNELIUS, NC 28031-6856 |
| Document Number | 0000147632 |
|---|---|
| Date | Oct 27, 2022 |
| Instrument | 2022147632 |
| Name | ALLEN TATE MORTGAGE PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 2, 2022 |
| Property Address | 18521 TORRENCE CHAPEL ESTATES CIR, CORNELIUS, NC 28031-6856 |
| Document Number | 0000067373 |
| Book / Page | 37305 / 443 |
| Map Reference | MB 39 PG 809 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 2022067373 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $945.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1830 MOSS CREEK DR, HARRISBURG, NC 28075-8658 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Cornelius Town |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 18521 Torrence Chapel Estates Cir 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 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 risk around 18521 Torrence Chapel Estates Cir 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 97% of the US · lower than 98.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAHIA BAY S/D private · serves 350 people · EPA ID NC0160203 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Also Mapped Here | CHARLOTTE WATER |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Copper | 1.91 mg/L (2023–2025) action level 1.3 mg/L |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 180 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| TDS Telecom Cable | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures