Mecklenburg County property record for 20357 Harborgate Ct, Unit 202, Cornelius, NC 28031
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,896 sqft · built 1984 |
| Lot Size | 11.1 acres (483,516 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $670,000 (Jan 2024) |
| Tax Bill | $5,373 (2023) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-441-08 |
| Primary APN | 001-441-08 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,896 sqft Heated Area |
| Gross Area | 2,192 sqft |
| 1st Floor Area | 1,325 sqft |
| Flooring | Concrete/Cement |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 483,516 sqft (11.1 acres) |
| Porch | Porch |
| Porch Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | 001-441-08 |
|---|---|
| Street Address | 20357 HARBORGATE CT UNIT 202, 202 |
| City | CORNELIUS |
| State | NC |
| Zip | 28031-6907 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | GR |
| Legal Description | UNIT 202 BLD 2 U/F 217 |
| Legal Subdivision | HARBORGATE CONDOS PH I |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 6217 |
Source: Mecklenburg County records, as of January 17, 2024
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 20357 HARBORGATE CT UNIT 202, 202, CORNELIUS, NC 28031-6907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 3, 2024 | Warranty Deed, Transfer · Conventional Mortgage TD BANK NA |
| Aug 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Nov 16, 2018 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2024 · Amount on Record |
| Deed Sale | Jan 3, 2024 · Amount on Record |
| Prior Sale | Nov 16, 2018 · Amount on Record |
| Deed Document Number | 2024000564 |
| Deed Book / Page | 38566 / 365 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jan 3, 2024 |
| Property Address | 20357 HARBORGATE CT UNIT 202, 202, CORNELIUS, NC 28031-6907 |
| Document Number | 0000000564 |
| Book / Page | 38566 / 365 |
| Map Reference | MB 4785 PG 217 |
| Instrument Date | Dec 28, 2023 |
| Instrument | 2024000564 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 168 6TH ST E # E3101, E3101, SAINT PAUL, MN 55101-1991 |
| Name | Verified Name |
|---|---|
| Address | 20357 HARBORGATE CT UNIT 202, 202, CORNELIUS, NC 28031-6907 |
| Document Number | 0000000565 |
|---|---|
| Date | Jan 3, 2024 |
| Instrument | 2024000565 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.8% |
| Margin | 3 |
| Max Rate | 11.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 20357 HARBORGATE CT UNIT 202, 202, CORNELIUS, NC 28031-6907 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000134167 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 34968/1 |
| Instrument | 2020134167 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 16, 2018 |
| Property Address | 20357 HARBORGATE CT UNIT 202, 202, CORNELIUS, NC 28031-6907 |
| Document Number | 0000143651 |
| Book / Page | 33114 / 874 |
| Map Reference | MB4785 PG217 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 2018143651 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | BARRISTERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $810.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7935 KINGS SHORE DR, 7935, DENVER, NC 28037-7546 |
| Name | Verified Name |
|---|---|
| Address | 20357 HARBORGATE CT # 202, 202, CORNELIUS, NC 28031-6907 |
| Document Number | 0000143652 |
|---|---|
| Date | Nov 16, 2018 |
| Instrument | 2018143652 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Cornelius Town |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $5,373.00 | $632,948 Building $632,948 | $632,948 Building $632,948 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 4 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.
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 99 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 |
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