20207 Rainbow Cir, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 20207 Rainbow Cir, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,818 sqft · built 1980
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Last Sale	$735,000 (Jul 2009)
Tax Bill	$9,624 (2024)
Deeds & Mortgages	Jul 2023 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-701-29`

Property Details

APN / Parcel Number

Primary APN	`001-701-29`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,818 sqft Living Area
1st Floor Area	1,259 sqft
Upper Floors Area	702 sqft
Basement Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Flat
Roof Material	Other
Lot Area	26,136 sqft (0.6 acres)
View / Lot	Waterfront
Garage Area	720 sqft
Porch	Finished/Open Porch
Porch Area	121 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	20207 RAINBOW CIR
City	CORNELIUS
State	NC
Zip	28031-7167
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L30 M10-183 &STRIP
Legal Subdivision	BISCAYNE PARK
Legal Block	1
Legal Lot Number	30
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1002
Census Tract	6218

Owner

Source: Mecklenburg County records, as of October 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20207 RAINBOW CIR, CORNELIUS, NC 28031-7167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2023	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jan 14, 2022	Intrafamily Transfer, Transfer
Jan 18, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2009 · Amount on Record
Deed Sale	Jul 31, 2009 · Amount on Record
Prior Sale	Nov 22, 2005 · Amount on Record
Deed Document Number	2009109855
Deed Book / Page	24978 / 154
Last Transfer Date	Jan 13, 2022
Transfer Doc	0000008146
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20207 RAINBOW CIR, CORNELIUS, NC 28031-7167
Transaction Type	Mortgage
Record Updated	Jul 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20207 RAINBOW CIR, CORNELIUS, NC 28031-7167

Mortgage

Document Number	0000063417
Date	Jul 6, 2023
Book Page	38231/607
Instrument	2023063417

Lender

Name	COGENT BANK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jun 22, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20207 RAINBOW CIR, CORNELIUS, NC 28031-7167
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012725
Date	Jan 25, 2022
Book Page	36998/715
Instrument	2022012725

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MECKLENBURG NC
Recording Date	Jan 14, 2022
Property Address	20207 RAINBOW CIR, CORNELIUS, NC 28031-7167
Document Number	0000008146
Book / Page	36972 / 319
Map Reference	MB 10 PG 183&185
Instrument Date	Jan 13, 2022
Instrument	2022008146
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20207 RAINBOW CIR, CORNELIUS, NC 28031-7167

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20207 RAINBOW CIR, CORNELIUS, NC 28031-7167
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006094
Date	Jan 18, 2018
Book Page	32410/342
Instrument	2018006094

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$1,459,100 Land $1,000,000 Building $459,100	$1,459,100 Land $1,000,000 Building $459,100
2024	$9,624.00

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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