20914 Pine Ridge Dr, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 20914 Pine Ridge Dr, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,417 sqft · built 1987
Lot Size	0.515 acres (22,454 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Sep 2025)
Tax Bill	$2,152 (2024)
Deeds & Mortgages	May 2022 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005-166-73`

Property Details

APN / Parcel Number

Primary APN	`005-166-73`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,417 sqft Heated Area
Gross Area	1,533 sqft
1st Floor Area	1,417 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Architectural Style	Other
Exterior Material	Masonite
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	22,454 sqft (0.515 acres)
Porch	Porch
Porch Area	80 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	20914 PINE RIDGE DR
City	CORNELIUS
State	NC
Zip	28031-9764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L1 B1 M21-36
Legal Subdivision	WOOD RDG
Legal Block	1
Legal Lot Number	1
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	1
Census Block	1017
Census Tract	6411

Owner

20914 Pine Ridge Dr is owned and occupied by an individual who bought it in September 2025.

Source: Mecklenburg County records, as of September 26, 2025

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
Co-owner	Co-owner on File
Mailing Address	20914 PINE RIDGE DR, CORNELIUS, NC 28031-9764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Sep 17, 2025	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2025 · Amount on File
Deed Sale	Sep 17, 2025 · Amount on File
Deed Document Number	2025094308
Deed Book / Page	39863 / 386
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20914 PINE RIDGE DR, CORNELIUS, NC 28031-9764
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069897
Date	May 6, 2022
Book Page	37318/570
Instrument	2022069897

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year CMT
Max Rate	8.75%

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 17, 2025
Property Address	20914 PINE RIDGE DR, CORNELIUS, NC 28031-9764
Document Number	0000094308
Book / Page	39863 / 386
Map Reference	MB 21 PG 36
Instrument Date	Sep 15, 2025
Instrument	2025094308
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	UNKNOWN, AUSTIN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21001 PINE RIDGE DR, CORNELIUS, NC 28031-9611

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20914 PINE RIDGE DR, CORNELIUS, NC 28031-9764

Mortgage

Document Number	0000094309
Date	Sep 17, 2025
Instrument	2025094309

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20914 PINE RIDGE DR, CORNELIUS, NC 28031-9764
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000104037
Date	Jul 10, 2020
Book Page	34787/976
Instrument	2020104037

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

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		$328,000 Land $95,000 Building $233,000
2024	$2,152.00
2023			$328,000 Land $95,000 Building $233,000

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

Flood

FEMA maps place 20914 Pine Ridge Dr 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	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 20914 Pine Ridge Dr is low, with 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 93% of the US · lower than 95% 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.

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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