Mecklenburg County property record for 20437 Harborgate Ct, Unit 706, Cornelius, NC 28031
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,369 sqft · built 1985 |
| Lot Size | 11.1 acres (483,513 sqft) |
| Owner | Individual Name on File |
| Last Sale | $530,000 (Jul 2020) |
| Tax Bill | $3,020 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-441-60 |
| Primary APN | 001-441-60 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Units | 7 Units |
| Stories | 1 Story |
| Building Area | 1,369 sqft Living Area |
| 1st Floor Area | 1,369 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| 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 | 20437 HARBORGATE CT, 706 |
|---|---|
| City | CORNELIUS |
| State | NC |
| Zip | 28031-7079 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | GR |
| Legal Description | UNIT 706 BLD 7 U/F 217 |
| Legal Subdivision | HARBORGATE PH 04 |
| 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 |
20437 Harborgate Ct, Unit 706 is owned and occupied by an individual who bought it in July 2020.
Source: Mecklenburg County records, as of September 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20437 HARBORGATE CT, 706, 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 |
|---|---|
| Jun 21, 2022 | Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK |
| Jul 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2020 · Amount on File |
| Deed Sale | Jul 30, 2020 · Amount on File |
| Prior Sale | Apr 30, 2004 · Amount on File |
| Deed Document Number | 2020117476 |
| Deed Book / Page | 34870 / 847 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 20437 HARBORGATE CT UNIT 706, 706, CORNELIUS, NC 28031-7079 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 20437 HARBORGATE CT, CORNELIUS, NC 28031-7077 |
| Document Number | 0000092041 |
|---|---|
| Date | Jun 21, 2022 |
| Book Page | 37437/427 |
| Instrument | 2022092041 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 15, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 30, 2020 |
| Property Address | 20437 HARBORGATE CT UNIT 706, 706, CORNELIUS, NC 28031-7079 |
| Document Number | 0000117476 |
| Book / Page | 34870 / 847 |
| Map Reference | MB 5136 PG 486 |
| Instrument Date | Jul 30, 2020 |
| Instrument | 2020117476 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | BARRISTERS TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,060.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20320 CHRISTOFLE DR, 20320, CORNELIUS, NC 28031-7056 |
| Name | Verified Name |
|---|---|
| Address | 20437 HARBORGATE CT UNIT 706, 706, CORNELIUS, NC 28031-7079 |
| Document Number | 0000117477 |
|---|---|
| Date | Jul 30, 2020 |
| Instrument | 2020117477 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 20437 Harborgate Ct, Unit 706 was $3,020.
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 | $3,020.00 | $543,124 Building $543,124 | $543,124 Building $543,124 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20437 Harborgate Ct, Unit 706 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 706 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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