Mecklenburg County property record for 20437 Harborgate Ct, Unit 703, Cornelius, NC 28031
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,369 sqft · built 1985 |
| Lot Size | 11.1 acres (483,516 sqft) |
| Owner | Individual Name on File |
| Last Sale | $490,000 (Dec 2019) |
| Tax Bill | $4,424 (2023) |
| Deeds & Mortgages | May 2017 Line of Credit Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-441-57 |
| Primary APN | 001-441-57 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,369 sqft Heated Area |
| Gross Area | 1,737 sqft |
| 1st Floor Area | 1,369 sqft |
| Flooring | Concrete/Cement |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| 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 | Heat Pump |
| Heating Fuel | Electric |
| Old Parcel Number | 001-441-57 |
|---|---|
| Street Address | 20437 HARBORGATE CT UNIT 703, 703 |
| City | CORNELIUS |
| State | NC |
| Zip | 28031-7079 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | GR |
| Legal Description | UNIT 703 BLD 7 U/F 217 |
| Legal Subdivision | HARBORGATE PH 04 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 6217 |
20437 Harborgate Ct, Unit 703 is owned and occupied by an individual who bought it in December 2019.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 20437 HARBORGATE CT UNIT 703, 703, CORNELIUS, NC 28031-7079 |
| 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.
| Date | Document |
|---|---|
| May 2, 2017 | Deed of Trust, Mortgage · Line of Credit X HOLDKINGS LLC |
| Dec 6, 2019 | Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2019 · Amount on File |
| Deed Sale | Dec 6, 2019 · Amount on File |
| Prior Sale | Jan 27, 2015 · Amount on File |
| Deed Document Number | 0034101765 |
| Deed Book / Page | 34101 / 765 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 20437 HARBORGATE CT UNIT 703, 703, CORNELIUS, NC 28031-7079 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000057775 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 31771/080 |
| Instrument | 2017057775 |
| Name | X HOLDKINGS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHARLOTTE, NC 28237 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 19, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Dec 6, 2019 |
| Property Address | 20437 HARBORGATE CT UNIT 703, 703, CORNELIUS, NC 28031-7079 |
| Document Number | 0000167032 |
| Book / Page | 34101 / 765 |
| Map Reference | MB 4974 PG 655 |
| Instrument Date | Dec 5, 2019 |
| Instrument | 2019167032 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18515 VINEYARD POINT LN, 18515, CORNELIUS, NC 28031-7989 |
| Name | Verified Name |
|---|---|
| Address | 20437 HARBORGATE CT UNIT 703, 703, CORNELIUS, NC 28031-7079 |
| Document Number | 0000167033 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 2019167033 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2035 |
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) |
FEMA maps place 20437 Harborgate Ct, Unit 703 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 20437 Harborgate Ct, Unit 703 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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