Mecklenburg County property record for 19608 Smith Cir, Cornelius, NC 28031
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,056 sqft · built 1985 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,000 (May 2024) |
| Tax Bill | $1,539 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit May 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005-201-26 |
| Primary APN | 005-201-26 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Porch | Finished/Open Porch |
| Porch Area | 152 sqft |
| Deck Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 19608 SMITH CIR |
|---|---|
| City | CORNELIUS |
| State | NC |
| Zip | 28031-9730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR |
| Legal Description | P8 M4-129 |
| Legal Subdivision | J T WESTMORELAND ESTATE |
| Legal Block | 1 |
| Legal Lot Number | 26 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 9, DEWEESE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 6411 |
Source: Mecklenburg County records, as of June 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 19608 SMITH CIR, CORNELIUS, NC 28031-9730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC |
| May 7, 2024 | Deed of Trust, Mortgage · FHA Mortgage SERVISFIRST BANK |
| Jul 28, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2024 · Amount on Record |
| Deed Sale | May 7, 2024 · Amount on Record |
| Prior Sale | Sep 29, 1999 · Amount on Record |
| Deed Document Number | 202441540 |
| Deed Book / Page | 38801 / 991 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jun 12, 2026 |
| Property Address | 19608 SMITH CIR, CORNELIUS, NC 28031-9730 |
| Document Number | 0000062681 |
| Book / Page | 40496 / 357 |
| Instrument Date | Jun 4, 2026 |
| Instrument | 202662681 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 19608 SMITH CIR, CORNELIUS, NC 28031-9730 |
| Document Number | 0000062681, |
|---|---|
| Date | Jun 12, 2026 |
| Book Page | 40496/357 |
| Instrument | 202662681 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 4, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 19608 SMITH CIR, CORNELIUS, NC 28031-9730 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 104 REMALLY LN, HUNTERSVILLE, NC 28078-9433 |
| Document Number | 0000041541 |
|---|---|
| Date | May 7, 2024 |
| Book Page | 38802/1 |
| Instrument | 2024041541 |
| Name | SERVISFIRST BANK |
|---|---|
| Type | Bank |
| Address | 2500 WOODCREST PL, BIRMINGHAM, AL 35209 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 19608 SMITH CIR, CORNELIUS, NC 28031-9730 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0000071904 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 38279/693 |
| Instrument | 2023071904 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Cornelius Town |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,539.00 | $223,000 Land $88,000 Building $135,000 | $223,000 Land $88,000 Building $135,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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