20437 Willow Pond Rd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 20437 Willow Pond Rd, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,654 sqft · built 1994
Lot Size	0.252 acres (10,978 sqft)
Owner	Individual Name on Record
Last Sale	$461,000 (Nov 2025)
Tax Bill	$2,297 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005-171-59`

Property Details

APN / Parcel Number

Primary APN	`005-171-59`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,654 sqft Heated Area
1st Floor Area	824 sqft
Upper Floors Area	830 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Other
Exterior Material	Masonite
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	10,978 sqft (0.252 acres)
Garage Area	400 sqft

Exterior Amenities

Porch	Porch
Porch Area	234 sqft
Deck Area	130 sqft
Patio Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	20437 WILLOW POND RD
City	CORNELIUS
State	NC
Zip	28031-9734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L18 M24-137
Legal Subdivision	WILLOW POND PH 02 MAP 02
Legal Lot Number	18
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	1
Census Block	1010
Census Tract	6411

Owner

Source: Mecklenburg County records, as of December 5, 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	20437 WILLOW POND RD, CORNELIUS, NC 28031-9734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Nov 25, 2025	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jan 21, 2021	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Apr 25, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2025 · Amount on Record
Deed Sale	Nov 25, 2025 · Amount on Record
Prior Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	2025121319
Deed Book / Page	40029 / 881
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20437 WILLOW POND RD, CORNELIUS, NC 28031-9734
Transaction Type	Mortgage
Record Updated	Dec 8, 2025
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100617
Date	Oct 2, 2025
Book Page	39904/102
Instrument	2025100617

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Apr 1, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 25, 2025
Property Address	20437 WILLOW POND RD, CORNELIUS, NC 28031-9734
Document Number	0000121319
Book / Page	40029 / 881
Map Reference	MB 24 PG 137
Instrument Date	Nov 25, 2025
Instrument	2025121319
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$922.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 LAUREL CREST DR, KANNAPOLIS, NC 28081-9090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20437 WILLOW POND RD, CORNELIUS, NC 28031-9734

Mortgage

Document Number	0000121320
Date	Nov 25, 2025
Instrument	2025121320

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20437 WILLOW POND RD, CORNELIUS, NC 28031-9734
Transaction Type	Mortgage
Record Updated	Feb 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012105
Date	Jan 21, 2021
Book Page	35575/975
Instrument	2021012105

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 25, 2019
Property Address	20437 WILLOW POND RD, CORNELIUS, NC 28031-9734
Document Number	0000048790
Book / Page	33455 / 026
Map Reference	MB 24 P G137
Instrument Date	Apr 25, 2019
Instrument	2019048790
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8621 CREEK TRAIL LN # LN912, 8621, CORNELIUS, NC 28031-6565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20437 WILLOW POND RD, CORNELIUS, NC 28031-9734

Mortgage

Document Number	0000048791
Date	Apr 25, 2019
Instrument	2019048791

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Mortgage

Document Number	0000048792
Date	Apr 25, 2019
Book Page	33455/049
Instrument	2019048792

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 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		$350,100 Land $80,000 Building $270,100
2024	$2,297.00
2023			$350,100 Land $80,000 Building $270,100

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 237 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 · Cable in parts of the area	1,000 / 1,000
TDS Telecom Cable · Fiber in parts of the area	1,000 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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