20131 Rainbow Cir, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 20131 Rainbow Cir, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,533 sqft · built 1966
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Apr 2013)
Tax Bill	$9,011 (2025)
Deeds & Mortgages	May 2026 Line of Credit Dec 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`001-701-26`

Property Details

APN / Parcel Number

Primary APN	`001-701-26`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,533 sqft Living Area
1st Floor Area	3,533 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1995
Exterior Material	Concrete
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Other
Lot Area	19,602 sqft (0.45 acres)
View / Lot	Waterfront
Porch	Slab
Porch Area	120 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	20131 RAINBOW CIR
City	CORNELIUS
State	NC
Zip	28031-7165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L33 M10-183
Legal Subdivision	BISCAYNE PARK
Legal Block	1
Legal Lot Number	33
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1002
Census Tract	6218

Owner

20131 Rainbow Cir is owned by two individuals who bought it in April 2013.

Source: Mecklenburg County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6936 CASCADE DREAM CT, HUNTERSVILLE, NC 28078-2365
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Line of Credit P N C BANK NA
Dec 22, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 4, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jan 3, 2020	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2013 · Amount on File
Deed Sale	Apr 29, 2013 · Amount on File
Deed Document Number	201365113
Deed Book / Page	28286 / 362
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Recording Date	May 22, 2026
Property Address	20131 RAINBOW CIR, CORNELIUS, NC 28031-7165
Document Number	0000054121
Book / Page	40443 / 179
Instrument Date	May 13, 2026
Instrument	202654121
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	VISIONET SYSTEMS INC, VISIONET SYSTEMS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20131 RAINBOW CIR, CORNELIUS, NC 28031-7165

Mortgage

Document Number	0000054121,
Date	May 22, 2026
Book Page	40443/179
Instrument	202654121

Lender

Name	P N C BANK NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 25, 2066

Interest

Rate	6.3%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20131 RAINBOW CIR, CORNELIUS, NC 28031-7165
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20131 RAINBOW CIR, CORNELIUS, NC 28031-7165

Mortgage

Document Number	0000119774
Date	Dec 22, 2023
Book Page	38551/383
Instrument	2023119774

Lender

Name	PNC BANK NA
Type	Bank
Address	FAYETTEVILLE, NC 28311

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 25, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20131 RAINBOW CIR, CORNELIUS, NC 28031-7165
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000215296
Date	Nov 12, 2021
Book Page	36751/165
Instrument	2021215296

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20131 RAINBOW CIR, CORNELIUS, NC 28031-7165
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20131 RAINBOW CIR, CORNELIUS, NC 28031-7165

Mortgage

Document Number	0000114448
Date	Aug 8, 2022
Book Page	37556/807
Instrument	2022114448

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jul 20, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20131 RAINBOW CIR, CORNELIUS, NC 28031-7165
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038419
Date	Apr 4, 2019
Book Page	33402/975
Instrument	2019038419

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MECKLENBURG NC
Property Address	20131 RAINBOW CIR, CORNELIUS, NC 28031-7165
Document Number	0000016631
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20131 RAINBOW CIR CORNELIUS NC 280317165, CORNELIUS, NC 28031-7165

Mortgage

Document Number	0000016631
Date	Feb 5, 2020
Book Page	034260/000028
Instrument	16631

Lender

Name	WELLS FARGO BK
Type	Bank
Address	BILLINGS, MT 59102

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20131 Rainbow Cir was $9,011.

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	$9,011.00	$1,345,300 Land $950,000 Building $395,300	$1,345,300 Land $950,000 Building $395,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20131 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

Wildfire risk around 20131 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 99.1% of the US · lower than 99.5% 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.

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 63 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	1,000 / 1,000
TDS Telecom Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Rainbow Cir

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