18800 Flat Shoals Dr, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 18800 Flat Shoals Dr, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,902 sqft · built 1998
Lot Size	0.53 acres (23,094 sqft)
Owner	Individual Name on Record
Last Sale	$1,175,000 (Oct 2021)
Tax Bill	$10,648 (2023)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-811-14`

Property Details

APN / Parcel Number

Primary APN	`001-811-14`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,902 sqft Heated Area
Gross Area	4,659 sqft
1st Floor Area	2,248 sqft
Upper Floors Area	1,583 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Wood
Lot Area	23,094 sqft (0.53 acres)
Garage Area	816 sqft

Exterior Amenities

Porch	Porch
Porch Area	12 sqft
Deck Area	610 sqft
Patio Area	634 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	001-811-14
Street Address	18800 FLAT SHOALS DR
City	CORNELIUS
State	NC
Zip	28031-7623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L602 M27-880
Legal Subdivision	PENINSULA PH IVII
Legal Lot Number	602
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1017
Census Tract	6218

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	18800 FLAT SHOALS DR, CORNELIUS, NC 28031-7623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Oct 11, 2021	Warranty Deed, Transfer
Dec 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2021 · Amount on Record
Deed Sale	Oct 11, 2021 · Amount on Record
Prior Sale	Aug 24, 2015 · Amount on Record
Deed Document Number	0036629665
Deed Book / Page	36629 / 665
Record Updated	Jun 7, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18800 FLAT SHOALS DR, CORNELIUS, NC 28031-7623
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221808
Date	Nov 22, 2021
Book Page	36790/500
Instrument	2021221808

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28207

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 11, 2021
Property Address	18800 FLAT SHOALS DR, CORNELIUS, NC 28031-7623
Document Number	0000194094
Book / Page	36629 / 665
Map Reference	MB 27 PG 880
Instrument Date	Oct 11, 2021
Instrument	2021194094
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount Recorded
Tax	$2,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18800 FLAT SHOALS DR, CORNELIUS, NC 28031-7623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18800 FLAT SHOALS DR, CORNELIUS, NC 28031-7623

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	18800 FLAT SHOALS DR, CORNELIUS, NC 28031-7623
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000168880
Date	Dec 11, 2019
Book Page	34111/965
Instrument	2019168880

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	8.25%

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 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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