Mecklenburg County property record for 20357 Harborgate Ct, Unit 208, Cornelius, NC 28031
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,994 sqft · built 1984 |
| Lot Size | 11.1 acres (483,513 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $372,000 (Jul 2006) |
| Tax Bill | $4,448 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-441-14 |
| Primary APN | 001-441-14 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Units | 13 Units |
| Stories | 1 Story |
| Building Area | 1,994 sqft Living Area |
| 1st Floor Area | 1,994 sqft |
| Basement Area | 633 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 483,513 sqft (11.1 acres) |
| View / Lot | Waterfront |
| Porch | Finished/Open Porch |
| Porch Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 20357 HARBORGATE CT, 208 |
|---|---|
| City | CORNELIUS |
| State | NC |
| Zip | 28031-6907 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | GR |
| Legal Description | UNIT 208 BLD 2 U/F 217 |
| Legal Subdivision | HARBORGATE PH 03 |
| Legal Block | C |
| Legal Lot Number | 99 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 6217 |
20357 Harborgate Ct, Unit 208 is owned by two individuals who bought it in July 2006.
Source: Mecklenburg County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 208 HARBORGATE CT, CORNELIUS, NC 28031-5001 |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Line of Credit FINANCE OF AMERICA REVERSE LLC |
| Sep 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG |
| Jul 3, 2018 | Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2006 · Amount on File |
| Deed Sale | Jul 31, 2006 · Amount on File |
| Prior Sale | Jul 31, 2006 · Amount on File |
| Deed Document Number | 2006154780 |
| Deed Book / Page | 20824 / 289 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 27, 2026 |
| Property Address | 20357 HARBORGATE CT, 208, CORNELIUS, NC 28031-6907 |
| Document Number | 0000079964 |
| Book / Page | 40600 / 577 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202679964 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | ALLEGIANT REVERSE SERVICES, ALLEGIANT REVERSE SERVICES L |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20357 HARBORGATE CT, 208, CORNELIUS, NC 28031-6907 |
| Document Number | 0000079964, |
|---|---|
| Date | Jul 27, 2026 |
| Book Page | 40600/577 |
| Instrument | 202679964 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 872 Months |
| Due | Mar 21, 2099 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 20357 HARBORGATE CT UNIT 208, 208, CORNELIUS, NC 28031-6907 |
| Document Number | 0000128286 |
| Instrument Date | Sep 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING L |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20357 HARBORGATE CT #208 CORNELIUS NC 280316907, 208, CORNELIUS, NC 28031-6907 |
| Document Number | 0000128286 |
|---|---|
| Date | Sep 26, 2019 |
| Book Page | 033884/000280 |
| Instrument | 128286 |
| Name | JG WENTWORTH HM LNDG |
|---|---|
| Address | WOODBRIDGE, VA 22192 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 25, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 20357 HARBORGATE CT UNIT 208, 208, CORNELIUS, NC 28031-6907 |
| Document Number | 0000084971 |
| Instrument Date | Jul 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20357 HARBORGATE CT #208 CORNELIUS NC 280316907, 208, CORNELIUS, NC 28031-6907 |
| Document Number | 0000084971 |
|---|---|
| Date | Jul 9, 2018 |
| Book Page | 032814/000517 |
| Instrument | 84971 |
| Name | JG WENTWORTH HM LNDG |
|---|---|
| Address | WOODBRIDGE, VA 22192 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 8, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
The 2025 property tax bill for 20357 Harborgate Ct, Unit 208 was $4,448.
Source: Mecklenburg County assessment roll, as of September 9, 2025
| 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 |
|---|---|---|---|
| 2025 | $4,448.00 | $660,008 Building $660,008 | $660,008 Building $660,008 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20357 Harborgate Ct, Unit 208 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 |
| 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.
Wildfire risk around 20357 Harborgate Ct, Unit 208 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 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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