20139 Rainbow Cir, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 20139 Rainbow Cir, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,808 sqft · built 1986
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$1,600,000 (May 2026)
Tax Bill	$8,815 (2025)
Deeds & Mortgages	May 2026 Sale Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-701-27`

Property Details

APN / Parcel Number

Primary APN	`001-701-27`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,808 sqft Living Area
1st Floor Area	1,808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Metal
Lot Area	20,038 sqft (0.46 acres)
View / Lot	Waterfront
Porch	Finished/Open Porch
Porch Area	48 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	20139 RAINBOW CIR
City	CORNELIUS
State	NC
Zip	28031-7165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L32 M10-183
Legal Subdivision	BISCAYNE PARK
Legal Block	1
Legal Lot Number	32
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1002
Census Tract	6218

Owner

20139 Rainbow Cir is owned and occupied by two individuals who bought it in May 2026.

Source: Mecklenburg County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20139 RAINBOW CIR, CORNELIUS, NC 28031-7165
Occupancy	Owner Occupied
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 11, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2026 · Amount on File
Deed Sale	May 11, 2026 · Amount on File
Prior Sale	Apr 29, 2022 · Amount on File
Deed Document Number	202648893
Deed Book / Page	40411 / 352
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	May 11, 2026
Property Address	20139 RAINBOW CIR, CORNELIUS, NC 28031-7165
Document Number	0000048893
Book / Page	40411 / 352
Instrument Date	May 7, 2026
Instrument	2026.48893
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$323,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20139 RAINBOW CIR, CORNELIUS, NC 28031-7165

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 29, 2022
Property Address	20139 RAINBOW CIR, CORNELIUS, NC 28031-7165
Document Number	0000066374
Book / Page	37300 / 163
Map Reference	MB 10 PG 183
Instrument Date	Apr 29, 2022
Instrument	2022066374
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	MASTER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4425 SHARON RD # RDS603, RDS603, CHARLOTTE, NC 28211-3667

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20139 RAINBOW CIR, CORNELIUS, NC 28031-7165
Investor	Possibly a Property Investor

Mortgage

Document Number	0000066375
Date	Apr 29, 2022
Instrument	2022066375

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20139 RAINBOW CIR, CORNELIUS, NC 28031-7165
Document Number	0000093393
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20139 RAINBOW CIR CORNELIUS NC 280317165, CORNELIUS, NC 28031-7165

Mortgage

Document Number	0000093393
Date	Jul 23, 2019
Book Page	033692/000218
Instrument	93393

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20139 Rainbow Cir was $8,815.

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	$8,815.00	$1,315,800 Land $1,000,000 Building $315,800	$1,315,800 Land $1,000,000 Building $315,800

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

Flood

FEMA maps place 20139 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 20139 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

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