20925 Cinnamon Tree Ln, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 20925 Cinnamon Tree Ln, Cornelius, NC 28031

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 6,386 sqft · built 2020
Lot Size	1.14 acres (49,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Jul 2019)
Tax Bill	$22,356 (2023)
Deeds & Mortgages	Feb 2024 Mortgage May 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-132-40`

Property Details

APN / Parcel Number

Primary APN	`001-132-40`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	6,386 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Aluminum/Vinyl
Lot Area	49,920 sqft (1.14 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	001-132-40
Street Address	20925 CINNAMON TREE LN
City	CORNELIUS
State	NC
Zip	28031-7199
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GR
Legal Description	L5 M59-469
Legal Subdivision	KEEL BAY PH 1 MAP 1
Legal Lot Number	5
Jurisdiction	MECKLENBURG NC
Township / Civil Division	10, LEMLEY
Census Block Group	1
Census Block	1010
Census Tract	6217

Owner

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	2 Individual Names on Record
Mailing Address	20925 CINNAMON TREE LN, CORNELIUS, NC 28031-7199
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
May 4, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 9, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2019 · Amount on Record
Deed Sale	Jul 9, 2019 · Amount on Record
Deed Document Number	0033654921
Deed Book / Page	33654 / 921
Record Updated	Jun 7, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20925 CINNAMON TREE LN, CORNELIUS, NC 28031-7199
Transaction Type	Mortgage
Record Updated	Feb 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20925 CINNAMON TREE LN, CORNELIUS, NC 28031-7199

Mortgage

Document Number	0000012165
Date	Feb 13, 2024
Book Page	38629/556
Instrument	2024012165

Lender

Name	TRUIST BANK
Type	Bank
Address	1001 SEMMES AVE, RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.7%
Index	Other
Margin	3
Max Rate	11.7%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	20925 CINNAMON TREE LN, CORNELIUS, NC 28031-7199
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20925 CINNAMON TREE LN, CORNELIUS, NC 28031-7199

Mortgage

Document Number	0000088793
Date	May 4, 2021
Book Page	36024/260
Instrument	2021088793

Lender

Name	TRUIST BANK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 27, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 9, 2019
Property Address	20925 CINNAMON TREE LN, CORNELIUS, NC 28031-7199
Document Number	0000086178
Book / Page	033654 / 000921
Instrument Date	Jun 13, 2019
Instrument	86178
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	662 LANGTREE RD MOORESVILLE NC 281177543, MOORESVILLE, NC 28117-7543

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)

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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	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 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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