Mecklenburg County property record for 20826 Torrence Chapel Rd, Cornelius, NC 28031
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 15,565 sqft · built 2001 |
| Lot Size | 0.731 acres (31,872 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $20,198 (2023) |
| Deeds & Mortgages | Apr 2023 Mortgage Jun 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-144-01 |
| Primary APN | 001-144-01 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 15,565 sqft Heated Area |
| Gross Area | 15,338 sqft |
| 1st Floor Area | 7,458 sqft |
| Upper Floors Area | 7,671 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 31,872 sqft (0.731 acres) |
| Porch | Porch |
| Porch Area | 209 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 001-144-01 |
|---|---|
| Street Address | 20826 TORRENCE CHAPEL RD |
| City | CORNELIUS |
| State | NC |
| Zip | 28031 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | HC |
| Legal Description | DIST:3 CITY/MUNI/TWP:CORNELIUS MAP REF:BK 1 PG 14 |
| Legal Subdivision | BEVERLY WOODS |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 6216 |
Source: Mecklenburg County records, as of May 24, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 968, PINEVILLE, NC 28134-0968 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Apr 27, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Jun 20, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 18, 2000 |
| Deed Sale | Feb 18, 2000 |
| Deed Document Number | 0011093398 |
| Prior Transfer Date | Apr 1, 1998 |
| Prior Transfer Doc | 0095950109 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 20826 TORRENCE CHAPEL RD, CORNELIUS, NC 28031 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 101 N COVE KEY LN, MOORESVILLE, NC 28117-7504 |
| Document Number | 0000038593 |
|---|---|
| Date | Apr 27, 2023 |
| Book Page | 38084/455 |
| Instrument | 2023038593 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 20826 TORRENCE CHAPEL RD, CORNELIUS, NC 28031 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 101 N COVE KEY LN, MOORESVILLE, NC 28117-7504 |
| Document Number | 0000056953 |
|---|---|
| Date | Jun 20, 2024 |
| Book Page | 38892/565 |
| Instrument | 2024056953 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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) |
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.
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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| TDS Telecom Cable · Fiber in parts of the area | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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