20128 Beard St, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 20128 Beard St, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,600 sqft · built 2002
Lot Size	0.154 acres (6,735 sqft)
Owner	Individual Name on File
Last Sale	$231,000 (May 2003)
Tax Bill	$4,688 (2023)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`003-195-50`

Property Details

APN / Parcel Number

Primary APN	`003-195-50`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,600 sqft Heated Area
Gross Area	4,624 sqft
1st Floor Area	1,500 sqft
Upper Floors Area	1,076 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,735 sqft (0.154 acres)
Garage Area	400 sqft
Porch	Porch
Porch Area	148 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	003-195-50
Street Address	20128 BEARD ST
City	CORNELIUS
State	NC
Zip	28031-6035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR
Legal Description	L220 M36-59
Legal Subdivision	VICTORIA BAY PH 02 MAP 10
Legal Lot Number	220
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	2
Census Block	2000
Census Tract	6408

Owner

Source: Mecklenburg County records · APN 003-195-50

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
Co-owner	Verified Secondary Owner
Mailing Address	20128 BEARD ST, CORNELIUS, NC 28031-6035
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 06, 2003 · Amount on Record
Deed Sale	May 06, 2003 · Amount on Record
Deed Document Number	0015296335
Deed Book / Page	15296 / 0335
Record Updated	Jun 07, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20128 BEARD ST, CORNELIUS, NC 28031-6035
Document Number	0000036890
Instrument Date	Mar 26, 2019
Transaction Type	Mortgage
Record Updated	Apr 23, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20128 BEARD ST CORNELIUS NC 280316035, CORNELIUS, NC 28031-6035

Mortgage

Document Number	0000036890
Date	Apr 01, 2019
Book Page	033395/000434
Instrument	36890

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 31, 2034

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 as of October 3, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	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
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 320 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CHARLOTTE WATER serves 1,206,285 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.