Mecklenburg County property record for 21120 Cold Spring Ln, Cornelius, NC 28031
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,176 sqft · built 1997 |
| Lot Size | 11.3 acres (496,127 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,000 (Jul 2026) |
| Tax Bill | $1,795 (2024) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-177-06 |
| Primary APN | 001-177-06 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 496,127 sqft (11.3 acres) |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 21120 COLD SPRING LN |
|---|---|
| City | CORNELIUS |
| State | NC |
| Zip | 28031-6437 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | NR |
| Legal Description | UNIT 6 BLD2 U/F 433 |
| Legal Subdivision | LAKE CREST CONDOS PH I |
| Legal Block | C |
| Legal Lot Number | 99 |
| Legal Unit | 6 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 6217 |
Source: Mecklenburg County records, as of August 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 21120 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Widow or Widower |
| Date | Document |
|---|---|
| Jul 31, 2026 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION |
| Oct 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 1, 2025 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 31, 2019 | Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2026 · Amount on Record |
| Deed Sale | Jul 31, 2026 · Amount on Record |
| Prior Sale | Oct 1, 2025 · Amount on Record |
| Deed Document Number | 202682604 |
| Deed Book / Page | 40617 / 627 |
| Prior Transfer Date | Sep 30, 2016 |
| Prior Transfer Doc | 0000133919 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jul 31, 2026 |
| Property Address | 21120 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Document Number | 0000082604 |
| Book / Page | 40617 / 627 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 202682604 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $66,660.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21120 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Document Number | 0000082605, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 202682605 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21120 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000194859 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 36633/969 |
| Instrument | 2021194859 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 1, 2025 |
| Property Address | 21120 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Document Number | 0000100375 |
| Book / Page | 39902 / 700 |
| Map Reference | MB 9110 PG 277 |
| Instrument Date | Oct 1, 2025 |
| Instrument | 2025100375 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 SUMMIT HILLS DR # DR310, DR310, SPARTANBURG, SC 29307-1532 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 21120 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Document Number | 0000100376 |
|---|---|
| Date | Oct 1, 2025 |
| Instrument | 2025100376 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jan 31, 2019 |
| Property Address | 21120 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Document Number | 0000011589 |
| Book / Page | 33260 / 054 |
| Map Reference | MB 9110 PG 277 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 2019011589 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | BARRISTERS TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $415.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 728 SHADY GROVE XING, 728, FORT MILL, SC 29708-6441 |
| Name | Verified Name |
|---|---|
| Address | 21120 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Document Number | 0000011590 |
|---|---|
| Date | Jan 31, 2019 |
| Instrument | 2019011590 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Cornelius Town |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $266,030 Building $266,030 | $266,030 (-) Building $266,030 | |
| 2024 | $1,795.00 | ||
| 2023 | $266,030 Building $266,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures