18616 Square Sail Rd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 18616 Square Sail Rd, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,547 sqft · built 1996
Lot Size	0.432 acres (18,843 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (May 2009)
Tax Bill	$8,359 (2023)
Deeds & Mortgages	Jan 2022 Line of Credit Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-801-17`

Property Details

APN / Parcel Number

Primary APN	`001-801-17`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,547 sqft Heated Area
Gross Area	4,263 sqft
1st Floor Area	2,354 sqft
Upper Floors Area	1,177 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Wood
Lot Area	18,843 sqft (0.432 acres)
Garage Area	518 sqft
Porch	Porch
Porch Area	214 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	001-801-17
Street Address	18616 SQUARE SAIL RD
City	CORNELIUS
State	NC
Zip	28031-5527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L442 M27-104
Legal Subdivision	PENINSULA PH XVI
Legal Lot Number	442
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1021
Census Tract	6218

Owner

18616 Square Sail Rd is owned and occupied by two individuals who acquired it in May 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	18616 SQUARE SAIL RD, CORNELIUS, NC 28031-5527
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
Jan 6, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2009 · Amount on File
Deed Sale	May 21, 2009 · Amount on File
Prior Sale	Feb 2, 2015
Deed Document Number	0000070849
Deed Book / Page	24755 / 0033
Last Transfer Date	May 27, 2016
Transfer Doc	0000065591
Record Updated	Jun 7, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18616 SQUARE SAIL RD, CORNELIUS, NC 28031-5527
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003176
Date	Jan 6, 2022
Book Page	36946/503
Instrument	2022003176

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18616 SQUARE SAIL RD, CORNELIUS, NC 28031-5527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000150381
Date	Nov 6, 2017
Book Page	32253/141
Instrument	2017150381

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18616 SQUARE SAIL RD, CORNELIUS, NC 28031-5527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHURCHILL TITLE SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000157468
Date	Sep 28, 2020
Book Page	35104/847
Instrument	2020157468

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Cornelius Town
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood

FEMA maps place 18616 Square Sail 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Nearby Flood Policies	21 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 18616 Square Sail Rd 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 153 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	1,000 / 1,000
TDS Telecom Cable	1,000 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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