18705 Harbor Light Blvd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 18705 Harbor Light Blvd, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,705 sqft · built 1997
Lot Size	0.509 acres (22,174 sqft)
Owner	Company Name on Record
Last Sale	$1,275,000 (Nov 2020)
Tax Bill	$12,206 (2023)
Deeds & Mortgages	Mar 2020 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-801-31`

Property Details

APN / Parcel Number

Primary APN	`001-801-31`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,705 sqft Heated Area
Gross Area	5,944 sqft
1st Floor Area	2,442 sqft
Upper Floors Area	1,854 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Wood
Lot Area	22,174 sqft (0.509 acres)
Garage Area	483 sqft
Porch	Porch
Porch Area	1,105 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	001-801-31
Street Address	18705 HARBOR LIGHT BLVD
City	CORNELIUS
State	NC
Zip	28031-7632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L413 M26-711
Legal Subdivision	PENINSULA PH 15
Legal Lot Number	413
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1021
Census Tract	6218

Owner

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	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	18705 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7632
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 20, 2020	Warranty Deed, Transfer · Conventional Mortgage COMERICA BANK
Jul 23, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Jul 23, 2018 · Amount on Record
Deed Document Number	0035342966
Deed Book / Page	35342 / 966
Record Updated	Jun 7, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18705 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044569
Date	Mar 30, 2020
Book Page	34420/164
Instrument	2020044569

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Max Rate	7.87%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 20, 2020
Property Address	18705 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7632
Document Number	0000196905
Book / Page	35342 / 966
Map Reference	MB 26 PG 711
Instrument Date	Nov 19, 2020
Instrument	2020196905
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	INVESTORS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15425 BARNSBURY DR, 15425, HUNTERSVILLE, NC 28078-3225

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	18705 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7632

Mortgage

Document Number	0000196906
Date	Nov 20, 2020
Instrument	2020196906

Lender

Name	COMERICA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 23, 2018
Property Address	18705 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7632
Document Number	0000092074
Book / Page	32849 / 654
Map Reference	MB26 PG711
Instrument Date	Jul 20, 2018
Instrument	2018092074
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	INVESTORS TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16500 GREEN DOLPHIN LN, 16500, CORNELIUS, NC 28031-7679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18705 HARBOR LIGHT BLVD, CORNELIUS, NC 28031-7632

Mortgage

Document Number	0000092076
Date	Jul 23, 2018
Instrument	2018092076

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2038

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

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% 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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