Mecklenburg County property record for 20115 Rainbow Cir, Cornelius, NC 28031
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,371 sqft · built 1973 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Trust Name on File |
| Deeds & Mortgages | Jun 2026 Sale May 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-701-24 |
| Primary APN | 001-701-24 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,371 sqft Living Area |
| 1st Floor Area | 2,371 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 22,216 sqft (0.51 acres) |
| View / Lot | Waterfront |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 666 sqft |
| Deck Area | 690 sqft |
| Patio Area | 1,002 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 20115 RAINBOW CIR |
|---|---|
| City | CORNELIUS |
| State | NC |
| Zip | 28031-7165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Description | L35 M10-183 & TR |
| Legal Subdivision | BISCAYNE PARK |
| Legal Block | 1 |
| Legal Lot Number | 35 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 6218 |
20115 Rainbow Cir is owner-occupied and held in a trust since June 2026.
Source: Mecklenburg County records, as of June 17, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 20115 RAINBOW CIR, CORNELIUS, NC 28031-7165 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 3, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| May 1, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Oct 19, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 24, 1973 |
| Deed Sale | Apr 24, 1973 |
| Deed Book / Page | 3531 / 122 |
| Last Transfer Date | Jun 3, 2026 |
| Transfer Doc | 0000059084 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jun 3, 2026 |
| Property Address | 20115 RAINBOW CIR, CORNELIUS, NC 28031-7165 |
| Document Number | 0000059084 |
| Book / Page | 40475 / 430 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 202659084 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 20115 RAINBOW CIR, CORNELIUS, NC 28031-7165 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 1, 2026 |
| Property Address | 20115 RAINBOW CIR, CORNELIUS, NC 28031-7165 |
| Document Number | 0000045326 |
| Book / Page | 40389 / 266 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 202645326 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 20115 RAINBOW CIR, CORNELIUS, NC 28031-7165 |
| Document Number | 0000045326, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 40389/266 |
| Instrument | 202645326 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Apr 14, 2051 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 20115 RAINBOW CIR, CORNELIUS, NC 28031-7165 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 20115 RAINBOW CIR, CORNELIUS, NC 28031-7165 |
| Document Number | 0000099510 |
|---|---|
| Date | Oct 19, 2023 |
| Book Page | 38435/672 |
| Instrument | 2023099510 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CORNELIUS, NC 28031 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 3, 2048 |
| 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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $822,500 Land $500,000 Building $322,500 | $822,500 Land $500,000 Building $322,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20115 Rainbow Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Nearby Flood Policies | 21 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 risk around 20115 Rainbow Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 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.
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 174 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 | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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