19206 Ruffner Dr, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 19206 Ruffner Dr, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,636 sqft · built 2005
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$258,000 (Jul 2013)
Tax Bill	$3,431 (2024)
Deeds & Mortgages	Nov 2021 Line of Credit Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`005-093-43`

Property Details

APN / Parcel Number

Primary APN	`005-093-43`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,636 sqft Living Area
1st Floor Area	1,408 sqft
Upper Floors Area	1,246 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	6,970 sqft (0.16 acres)
Garage Area	484 sqft
Porch	Finished/Open Porch
Porch Area	406 sqft
Deck Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	19206 RUFFNER DR
City	CORNELIUS
State	NC
Zip	28031-9370
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN
Legal Description	L87 M37-731
Legal Subdivision	OAKHURST MAP 01 PH 01B
Legal Block	3
Legal Lot Number	87
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	1
Census Block	1001
Census Tract	6410

Owner

Source: Mecklenburg County records, as of September 9, 2025

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	19206 RUFFNER DR, CORNELIUS, NC 28031-9370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jun 11, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 12, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
May 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2013 · Amount on Record
Deed Sale	Jul 19, 2013 · Amount on Record
Prior Sale	Sep 26, 2007 · Amount on Record
Deed Document Number	2013115189
Deed Book / Page	28542 / 936
Last Transfer Date	Aug 30, 2021
Transfer Doc	0000171221
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	19206 RUFFNER DR, CORNELIUS, NC 28031-9370
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221313
Date	Nov 22, 2021
Book Page	36787/333
Instrument	2021221313

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 7, 2021
Property Address	19206 RUFFNER DR, CORNELIUS, NC 28031-9370
Document Number	0000171221
Book / Page	36498 / 185
Map Reference	MB 37 PG 731
Instrument Date	Aug 30, 2021
Instrument	2021171221
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	SERVICELINK EAST ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19206 RUFFNER DR, CORNELIUS, NC 28031-9370

Mortgage

Document Number	0000171222
Date	Sep 7, 2021
Instrument	2021171222

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2031

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	19206 RUFFNER DR, CORNELIUS, NC 28031-9370
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084992
Date	Jun 11, 2020
Book Page	34674/6
Instrument	2020084992

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	19206 RUFFNER DR, CORNELIUS, NC 28031-9370
Document Number	0000050921
Instrument Date	Apr 12, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19206 RUFFNER DR CORNELIUS NC 280319370, CORNELIUS, NC 28031-9370

Mortgage

Document Number	0000050921
Date	Apr 30, 2019
Book Page	033467/000822
Instrument	50921

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2049

Interest

Rate Type	Adjustable Rate

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 2, 2017
Property Address	19206 RUFFNER DR, CORNELIUS, NC 28031-9370
Document Number	0000057742
Book / Page	031770 / 000895
Instrument Date	Apr 12, 2017
Instrument	57742
Transaction Type	Transfer
Record Updated	May 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	19206 RUFFNER DR CORNELIUS NC 280319370, CORNELIUS, NC 28031-9370

Tax Assessment & Valuation

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		$515,400 Land $115,000 Building $400,400	$515,400 Land $115,000 Building $400,400
2024	$3,431.00

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

Flood

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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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 476 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
TDS Telecom Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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