20812 Decora Dr, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 20812 Decora Dr, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,291 sqft · built 1997
Lot Size	0.502 acres (21,867 sqft)
Owner	2 Individual Names on File
Last Sale	$687,500 (Sep 2022)
Tax Bill	$4,739 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-742-35`

Property Details

APN / Parcel Number

Primary APN	`001-742-35`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,291 sqft Living Area
1st Floor Area	1,730 sqft
Upper Floors Area	1,645 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,867 sqft (0.502 acres)
Garage Area	527 sqft
Patio Area	254 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	20812 DECORA DR
City	CORNELIUS
State	NC
Zip	28031-6654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L2 M26-698
Legal Subdivision	HERON HARBOR MAP 01
Legal Block	2
Legal Lot Number	2
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1012
Census Tract	6216

Owner

20812 Decora Dr is owned and occupied by two individuals who bought it in September 2022.

Source: Mecklenburg County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20812 DECORA DR, CORNELIUS, NC 28031-6654
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2022 · Amount on File
Deed Sale	Sep 16, 2022 · Amount on File
Prior Sale	Jul 12, 2004 · Amount on File
Deed Document Number	2022131373
Deed Book / Page	37648 / 497
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 16, 2022
Property Address	20812 DECORA DR, CORNELIUS, NC 28031-6654
Document Number	0000131373
Book / Page	37648 / 497
Map Reference	MB 26 PG 698
Instrument Date	Sep 15, 2022
Instrument	2022131373
Transaction Type	Transfer
Record Updated	May 25, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 CABARRUS AVE E, CONCORD, NC 28025-3408

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000131374
Date	Sep 16, 2022
Instrument	2022131374

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 20812 Decora Dr was $4,739, up 1.5% from the year before.

Source: Mecklenburg County assessment roll, as of September 9, 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	$4,739.00 (+1.54%)	$703,700 Land $200,000 Building $503,700	$703,700 Land $200,000 Building $503,700
2024	$4,667.00

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

Flood

FEMA maps place 20812 Decora Dr 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	2 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 20812 Decora Dr 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 97% of the US · lower than 98.5% 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 180 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	1,000 / 20
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20