19986 Oak Leaf Cir, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 19986 Oak Leaf Cir, Cornelius, NC 28031

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,390 sqft · built 1992
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$294,000 (Jul 2026)
Tax Bill	$1,441 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-281-29`

Property Details

APN / Parcel Number

Primary APN	`005-281-29`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,390 sqft Living Area
1st Floor Area	1,156 sqft
Upper Floors Area	234 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2006
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Carport
Carport	Carport
Porch	Finished/Screened Porch
Porch Area	148 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	19986 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	L3 BLD 1 M25-10
Legal Subdivision	TWIN OAKS PH 01 MAP 03
Legal Block	D
Legal Lot Number	3
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	1
Census Block	1013
Census Tract	6411

Owner

Source: Mecklenburg County records, as of August 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	19986 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 2, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Prior Sale	Oct 30, 2024 · Amount on Record
Deed Document Number	202680494
Deed Book / Page	40603 / 876
Prior Transfer Date	Jul 22, 2014
Prior Transfer Doc	0000088006
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 28, 2026
Property Address	19986 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Document Number	0000080494
Book / Page	40603 / 876
Instrument Date	Jul 28, 2026
Instrument	202680494
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,388.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19986 OAK LEAF CIR, CORNELIUS, NC 28031-9632

Mortgage

Document Number	0000080495,
Date	Jul 28, 2026
Instrument	202680495

Lender

Name	NORTHPOINTE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	19986 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000135027
Date	Jul 13, 2021
Book Page	36287/766
Instrument	2021135027

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Mar 2, 2020
Property Address	19986 OAK LEAF CIR, CORNELIUS, NC 28031-9632
Document Number	0000029757
Book / Page	34333 / 567
Map Reference	MB 25 PG 10
Instrument Date	Feb 27, 2020
Instrument	2020029757
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 GREYWALLS LN, 410, IRON STATION, NC 28080-6790

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19986 OAK LEAF CIR, CORNELIUS, NC 28031-9632

Mortgage

Document Number	0000029758
Date	Mar 2, 2020
Instrument	2020029758

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

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		$212,200 Land $50,000 Building $162,200	$212,200 Land $50,000 Building $162,200
2024	$1,441.00

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 · 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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