20712 Willow Pond Rd, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 20712 Willow Pond Rd, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,557 sqft · built 1994
Lot Size	0.328 acres (14,294 sqft)
Owner	Individual Name on File
Last Sale	$487,000 (Apr 2024)
Tax Bill	$3,769 (2023)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005-173-06`

Property Details

APN / Parcel Number

Primary APN	`005-173-06`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,557 sqft Heated Area
Gross Area	3,113 sqft
1st Floor Area	1,297 sqft
Upper Floors Area	1,351 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	14,294 sqft (0.328 acres)
Garage Area	441 sqft
Porch	Porch
Porch Area	24 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	005-173-06
Street Address	20712 WILLOW POND RD
City	CORNELIUS
State	NC
Zip	28031-9603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L60 M22-952
Legal Subdivision	WILLOW POND SEC 01 MAP 01
Legal Lot Number	60
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	1
Census Block	1010
Census Tract	6411

Owner

20712 Willow Pond Rd is owned and occupied by an individual who bought it in April 2024.

Source: Mecklenburg County records, as of May 3, 2024

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	20712 WILLOW POND RD, CORNELIUS, NC 28031-9603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage SHELTER HOME MORTGAGE LLC
Apr 1, 2024	Warranty Deed, Transfer · Conventional Mortgage RAPID MORTGAGE COMPANY
Nov 17, 2023	Warranty Deed, Transfer
Nov 18, 2019	Warranty Deed, Transfer · Conventional with PMI ANGEL OAK HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2024 · Amount on File
Deed Sale	Apr 1, 2024 · Amount on File
Prior Sale	Nov 17, 2023 · Amount on File
Deed Document Number	2024030386
Deed Book / Page	38735 / 936
Record Updated	Jun 7, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20712 WILLOW POND RD, CORNELIUS, NC 28031-9603
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030369
Date	Feb 25, 2022
Book Page	37097/507
Instrument	2022030369

Lender

Name	SHELTER HOME MORTGAGE LLC
Type	Mortgage Company
Address	NORCROSS, GA 30093

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 1, 2024
Property Address	20712 WILLOW POND RD, CORNELIUS, NC 28031-9603
Document Number	0000030386
Book / Page	38735 / 936
Map Reference	MB 22 PG 952
Instrument	2024030386
Transaction Type	Transfer
Record Updated	May 6, 2024

Transaction

Amount	Amount on Record
Tax	$974.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20712 WILLOW POND RD, CORNELIUS, NC 28031-9603

Mortgage

Document Number	0000030387
Date	Apr 1, 2024
Instrument	2024030387

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0000030387
Date	Apr 4, 2024
Book Page	38735/938
Instrument	2024030387

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company
Address	7466 BEECHMONT AVE, CINCINNATI, OH 45255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 17, 2023
Property Address	20712 WILLOW POND RD, CORNELIUS, NC 28031-9603
Document Number	0000109304
Book / Page	38490 / 964
Map Reference	MB 22 PG 952
Instrument Date	Nov 15, 2023
Instrument	2023109304
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Amount	Amount on Record
Tax	$937.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 JANA DR, STATESVILLE, NC 28677-9811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 18, 2019
Property Address	20712 WILLOW POND RD, CORNELIUS, NC 28031-9603
Document Number	0000156644
Book / Page	034043 / 000338
Instrument Date	Nov 15, 2019
Instrument	156644
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	URBAN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10423 220TH ST QUEENS VILLAGE NY 114292144, QUEENS VILLAGE, NY 11429-2144

Mortgage

Document Number	156645
Date	Nov 18, 2019
Book Page	034043/000340
Instrument	156645

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30328

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2049

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2023

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
2023	$3,769.00	$444,100 Land $80,000 Building $364,100	$444,100 Land $80,000 Building $364,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20712 Willow Pond Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20712 Willow Pond Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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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