19973 Oak Leaf Cir, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 19973 Oak Leaf Cir, Cornelius, NC 28031

Property Summary

Property Type	Townhouse
Details	1 bd · 1 ba · 990 sqft · built 1994
Lot Size	0.062 acres (2,727 sqft)
Owner	Individual Name on Record
Last Sale	$197,500 (Jul 2022)
Tax Bill	$1,547 (2023)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005-281-55`

Property Details

APN / Parcel Number

Primary APN	`005-281-55`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	990 sqft Heated Area
Gross Area	1,367 sqft
1st Floor Area	990 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	2,727 sqft (0.062 acres)
Porch	Porch
Porch Area	18 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	005-281-55
Street Address	19973 OAK LEAF CIR
City	CORNELIUS
State	NC
Zip	28031-9632
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	NR
Legal Description	L29 M26-103
Legal Subdivision	TWIN OAKS PH 02 MAP 02 UN 29
Legal Lot Number	29
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	1
Census Block	1017
Census Tract	6411

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	19973 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Jul 28, 2022	Warranty Deed, Transfer · Conventional Mortgage ALLEN TATE MORTGAGE PARTNERS LLC
Apr 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC
Dec 5, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Prior Sale	Apr 5, 2021
Deed Document Number	0037534224
Deed Book / Page	37534 / 224
Record Updated	Jun 7, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	19973 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000098157
Date	Oct 16, 2023
Book Page	38428/125
Instrument	2023098157

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 28, 2022
Property Address	19973 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Document Number	0000110169
Book / Page	37534 / 224
Map Reference	MB 26 PG 103
Instrument Date	Jul 28, 2022
Instrument	2022110169
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	MASTERS TITLE AGENCY INC, MASTER TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1931 W INDIANOLA AVE, PHOENIX, AZ 85015-5465

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19973 OAK LEAF CIR, CORNELIUS, NC 28031-9632

Mortgage

Document Number	0000110170
Date	Jul 28, 2022
Instrument	2022110170

Lender

Name	ALLEN TATE MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 5, 2021
Property Address	19973 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Document Number	0000066179
Book / Page	35895 / 271
Map Reference	MB 26 PG 103
Instrument Date	Mar 30, 2021
Instrument	2021066179
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	RAVENSWOOD TITLE COMPANY LLC

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	19973 OAK LEAF CIR, CORNELIUS, NC 28031-9632

Mortgage

Document Number	0000066180
Date	Apr 5, 2021
Instrument	2021066180

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Dec 5, 2019
Property Address	19973 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Document Number	0000166146
Book / Page	034096 / 000535
Instrument Date	Dec 4, 2019
Instrument	166146
Transaction Type	Transfer
Record Updated	Dec 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	19973 OAK LEAF CIR CORNELIUS NC 280319632, CORNELIUS, NC 28031-9632

Mortgage

Document Number	166147
Date	Dec 5, 2019
Book Page	034096/000540
Instrument	166147

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2049

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
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.

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 237 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.

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