Mecklenburg County property record for 18605 Ruffner Dr, Unit 3B, Cornelius, NC 28031
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,062 sqft · built 2003 |
| Lot Size | 0.818 acres (35,670 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Nov 2020) |
| Tax Bill | $1,964 (2023) |
| Deeds & Mortgages | Apr 2023 Line of Credit Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 005-386-82 |
| Primary APN | 005-386-82 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,062 sqft Heated Area |
| Gross Area | 1,049 sqft |
| 1st Floor Area | 1,049 sqft |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 35,670 sqft (0.818 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 005-386-82 |
|---|---|
| Street Address | 18605 RUFFNER DR UNIT 3B, 3B |
| City | CORNELIUS |
| State | NC |
| Zip | 28031-9022 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | TN |
| Legal Description | UNIT 3B BLD4 U/F 602-8 |
| Legal Subdivision | TERRACES/OAKHURST |
| Legal Unit | 3 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 9, DEWEESE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 6410 |
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 |
|---|---|
| Mailing Address | 18605 RUFFNER DR UNIT 3B, 3B, CORNELIUS, NC 28031-9022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 11, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Nov 5, 2020 | Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2020 · Amount on Record |
| Deed Sale | Nov 5, 2020 · Amount on Record |
| Prior Sale | Mar 6, 2008 · Amount on Record |
| Deed Document Number | 0003527946 |
| Deed Book / Page | 35279 / 46 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 18605 RUFFNER DR UNIT 3B, 3B, CORNELIUS, NC 28031-9022 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000032053 |
|---|---|
| Date | Apr 11, 2023 |
| Book Page | 38047/86 |
| Instrument | 2023032053 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 30, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 5, 2020 |
| Property Address | 18605 RUFFNER DR UNIT 3B, 3B, CORNELIUS, NC 28031-9022 |
| Document Number | 0000185841 |
| Book / Page | 35279 / 46 |
| Map Reference | MB 13499 PG 565 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 2020185841 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15536 ABERFELD RD, 15536, HUNTERSVILLE, NC 28078-3765 |
| Name | Verified Name |
|---|---|
| Address | 18605 RUFFNER DR UNIT 3B, 3B, CORNELIUS, NC 28031-9022 |
| Document Number | 0000185842 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 2020185842 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
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) |
Source: FEMA National Flood Hazard Layer, effective October 3, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 443 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 · Fiber in parts of the area | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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