19975 Oak Leaf Cir, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 19975 Oak Leaf Cir, Cornelius, NC 28031

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,156 sqft · built 1994
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$108,000 (Sep 2014)
Tax Bill	$705 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005-281-56`

Property Details

APN / Parcel Number

Primary APN	`005-281-56`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2006
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Carport
Carport	Carport
Porch	Finished/Open Porch
Porch Area	18 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	19975 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	L28 M26-103
Legal Subdivision	TWIN OAKS PH 03 MAP 02
Legal Block	1
Legal Lot Number	28
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 October 2, 2026

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	19975 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOME EQUITY SOLUTIONS
Sep 18, 2023	Deed of Trust, Mortgage · Line of Credit SKYLA FCU
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 23, 2017	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2014 · Amount on Record
Deed Sale	Sep 16, 2014 · Amount on Record
Prior Sale	Jun 3, 2010 · Amount on Record
Deed Document Number	2014107379
Deed Book / Page	29447 / 203
Prior Transfer Date	Jan 9, 2012
Prior Transfer Doc	0000053986
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 21, 2026
Property Address	19975 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Document Number	0000101244
Book / Page	40726 / 620
Instrument Date	Sep 15, 2026
Instrument	2026101244
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19975 OAK LEAF CIR, CORNELIUS, NC 28031-9632

Mortgage

Document Number	0000101244,
Date	Sep 21, 2026
Book Page	40726/620
Instrument	2026101244

Lender

Name	HOME EQUITY SOLUTIONS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	19975 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089223
Date	Sep 18, 2023
Book Page	38377/433
Instrument	2023089223

Lender

Name	SKYLA FCU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	19975 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000243986
Date	Dec 29, 2021
Book Page	36920/648
Instrument	2021243986

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	19975 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067527
Date	May 23, 2017
Book Page	31821/079
Instrument	2017067527

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$705.00	$195,500 Land $50,000 Building $145,500	$195,500 Land $50,000 Building $145,500

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 · 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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