19524 Heartland St, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 19524 Heartland St, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,778 sqft · built 1990
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Feb 2006)
Tax Bill	$2,602 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005-231-31`

Property Details

APN / Parcel Number

Primary APN	`005-231-31`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,778 sqft Living Area
1st Floor Area	928 sqft
Upper Floors Area	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Deck Area	120 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	19524 HEARTLAND ST
City	CORNELIUS
State	NC
Zip	28031-9223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L76 M23-81
Legal Subdivision	WELLSLEY VILLAGE PH 02
Legal Block	1
Legal Lot Number	76
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	2
Census Block	2001
Census Tract	6411

Owner

19524 Heartland St is owned and occupied by two individuals who acquired it in September 2019.

Source: Mecklenburg County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	19524 HEARTLAND ST, CORNELIUS, NC 28031-9223
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
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
May 10, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Dec 6, 2019	Deed of Trust, Mortgage · VA Mortgage FIFTH THIRD BANK NA
Sep 11, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2006 · Amount on File
Deed Sale	Feb 15, 2006 · Amount on File
Deed Document Number	200629288
Deed Book / Page	20020 / 243
Last Transfer Date	Sep 10, 2019
Transfer Doc	0000120002
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 1, 2026
Property Address	19524 HEARTLAND ST, CORNELIUS, NC 28031-9223
Document Number	0000032684
Book / Page	40312 / 801
Instrument Date	Mar 6, 2026
Instrument	202632684
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19524 HEARTLAND ST, CORNELIUS, NC 28031-9223
Investor	Possibly a Property Investor

Mortgage

Document Number	0000032684,
Date	Apr 1, 2026
Book Page	40312/801
Instrument	202632684

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2056

Interest

Rate	6.11%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	19524 HEARTLAND ST, CORNELIUS, NC 28031-9223
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092444
Date	May 10, 2021
Book Page	36044/620
Instrument	2021092444

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	19524 HEARTLAND ST, CORNELIUS, NC 28031-9223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000167335
Date	Dec 6, 2019
Book Page	34103/697
Instrument	2019167335

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 11, 2019
Property Address	19524 HEARTLAND ST, CORNELIUS, NC 28031-9223
Document Number	0000120002
Book / Page	033839 / 000385
Instrument Date	Sep 10, 2019
Instrument	120002
Transaction Type	Transfer
Record Updated	Oct 2, 2019
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	Married Couple
Address	19524 HEARTLAND ST CORNELIUS NC 280319223, CORNELIUS, NC 28031-9223

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		$389,000 Land $85,000 Building $304,000	$389,000 Land $85,000 Building $304,000
2024	$2,602.00

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

Flood

FEMA maps place 19524 Heartland St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 19524 Heartland St is low, with 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 376 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 · Cable in parts of the area	1,000 / 1,000
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Windstream.

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