18717 Square Sail Rd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 18717 Square Sail Rd, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,264 sqft · built 2019
Lot Size	0.379 acres (16,509 sqft)
Owner	2 Trust Names on File
Last Sale	$1,085,000 (Aug 2020)
Tax Bill	$9,181 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jun 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`001-806-14`

Property Details

APN / Parcel Number

Primary APN	`001-806-14`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,264 sqft Living Area
Gross Area	4,933 sqft
1st Floor Area	2,068 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Other
Lot Area	16,509 sqft (0.379 acres)
Garage Type	Attached
Garage Area	669 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	18717 SQUARE SAIL RD
City	CORNELIUS
State	NC
Zip	28031-7782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L459 M28-92
Legal Subdivision	PENINSULA
Legal Block	6
Legal Lot Number	459
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1020
Census Tract	6218

Owner

18717 Square Sail Rd is owner-occupied and held in a trust since August 2025.

Source: Mecklenburg County records, as of September 22, 2026

Owner of Record	2 Trust Names on File
Mailing Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jun 1, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jun 23, 2021	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU
May 24, 2022	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU
Sep 2, 2022	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Nov 6, 2020	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU
Aug 24, 2020	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Oct 10, 2018	Warranty Deed, Subdivision Related Transfer · ARM CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2020 · Amount on File
Deed Sale	Aug 24, 2020 · Amount on File
Prior Sale	Jul 8, 2016 · Amount on File
Deed Document Number	2020133521
Deed Book / Page	34964 / 184
Last Transfer Date	Aug 13, 2025
Transfer Doc	0000081499
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782

Mortgage

Document Number	0000051276
Date	Jun 1, 2023
Book Page	38160/291
Instrument	2023051276

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29423

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	May 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000122388
Date	Jun 23, 2021
Book Page	36214/17
Instrument	2021122388

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078574
Date	May 24, 2022
Book Page	37363/973
Instrument	2022078574

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126517
Date	Sep 2, 2022
Book Page	37622/916
Instrument	2022126517

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000186779
Date	Nov 6, 2020
Book Page	35283/693
Instrument	2020186779

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Aug 24, 2020
Property Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782
Document Number	0000133521
Book / Page	34964 / 184
Map Reference	MB 28 PG 92
Instrument Date	Aug 14, 2020
Instrument	2020133521
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 JETTON ST APT 437, 605, DAVIDSON, NC 28036-9336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782

Mortgage

Document Number	0000133522
Date	Aug 24, 2020
Instrument	2020133522

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

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

October 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 10, 2018
Property Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782
Document Number	0000128250
Book / Page	33036 / 666
Map Reference	MB27 PG104
Instrument Date	Oct 10, 2018
Instrument	2018128250
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18717 SQUARE SAIL RD, CORNELIUS, NC 28031-7782
Investor	Possibly a Property Investor

Mortgage

Document Number	0000128251
Date	Oct 10, 2018
Instrument	2018128251

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	9.25%

Tax Assessment & Valuation

The 2025 property tax bill for 18717 Square Sail Rd was $9,181.

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	$9,181.00	$1,370,860 Land $285,000 Building $1,085,860	$1,370,860 Land $285,000 Building $1,085,860

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

Flood

FEMA maps place 18717 Square Sail Rd in Zone X, an area of minimal flood risk, within 500 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 500 ft
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 18717 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 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

Nearby Properties on Square Sail Rd

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