20115 Beard St, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 20115 Beard St, Cornelius, NC 28031 · Last verified June 2023

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,263 sqft · built 2003
Lot Size	0.189 acres (8,272 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Oct 2021)
Tax Bill	$3,807 (2023)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`003-195-59`

Property Details

APN / Parcel Number

Primary APN	`003-195-59`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,263 sqft Heated Area
Gross Area	2,951 sqft
1st Floor Area	1,253 sqft
Upper Floors Area	1,318 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	8,272 sqft (0.189 acres)
Garage Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	003-195-59
Street Address	20115 BEARD ST
City	CORNELIUS
State	NC
Zip	28031-6051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L212 M36-59
Legal Subdivision	VICTORIA BAY PH 02 MAP 10
Legal Lot Number	212
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	2
Census Block	2026
Census Tract	6408

Owner

Source: Mecklenburg County records · APN 003-195-59

Assessment roll updated January 1, 2023 · Last verified June 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 File
Mailing Address	20115 BEARD ST, CORNELIUS, NC 28031-6051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 25, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 09, 2018	Deed of Trust, Mortgage · Conventional with PMI STATE EMPS CU
Sep 04, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 25, 2021 · Amount on Record
Deed Sale	Oct 25, 2021 · Amount on Record
Prior Sale	Sep 04, 2018 · Amount on Record
Deed Document Number	0003668077
Deed Book / Page	36680 / 77
Record Updated	Jun 07, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20115 BEARD ST, CORNELIUS, NC 28031-6051
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000143971
Date	Jul 27, 2021
Book Page	36340/245
Instrument	2021143971

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Oct 25, 2021
Property Address	20115 BEARD ST, CORNELIUS, NC 28031-6051
Document Number	0000202994
Book / Page	36680 / 77
Map Reference	MB 36 PG 59
Instrument Date	Oct 22, 2021
Instrument	2021202994
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	SOUTH CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202995
Date	Oct 25, 2021
Instrument	2021202995

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20115 BEARD ST, CORNELIUS, NC 28031-6051
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060795
Date	Apr 30, 2020
Book Page	34525/412
Instrument	2020060795

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 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%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20115 BEARD ST, CORNELIUS, NC 28031-6051
Document Number	0000141449
Instrument Date	Nov 09, 2018
Transaction Type	Mortgage
Record Updated	Dec 06, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20115 BEARD ST CORNELIUS NC 280316051, CORNELIUS, NC 28031-6051

Mortgage

Document Number	0000141449
Date	Nov 09, 2018
Book Page	033104/000510
Instrument	141449

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 08, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 04, 2018
Property Address	20115 BEARD ST, CORNELIUS, NC 28031-6051
Document Number	0000112079
Book / Page	32953 / 467
Map Reference	MB36 PG59
Instrument Date	Aug 30, 2018
Instrument	2018112079
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$564.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3819 ARCHER NOTCH LN, 3819, HUNTERSVILLE, NC 28078-1300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20115 BEARD ST, CORNELIUS, NC 28031-6051

Mortgage

Document Number	0000112080
Date	Sep 04, 2018
Instrument	2018112080

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Margin	2
Max Rate	10.2%

Tax Assessment & Valuation

Source: Mecklenburg County records · Assessment roll updated January 1, 2023 · Last verified June 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Cornelius Town
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mecklenburg County (37119C), updated October 3, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371190064082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 320 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Fiber	1,000 / 1,000
TDS Telecom	Cable	1,000 / 20
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Spectrum, TDS Telecom. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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