Mecklenburg County property record for 21148 Cold Spring Ln, Cornelius, NC 28031
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,176 sqft · built 1997 |
| Lot Size | 11.5 acres (502,029 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Oct 2016) |
| Tax Bill | $2,247 (2023) |
| Deeds & Mortgages | Sep 2024 Second Mortgage Feb 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-177-13 |
| Primary APN | 001-177-13 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Heated Area |
| Gross Area | 1,200 sqft |
| 1st Floor Area | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 502,029 sqft (11.5 acres) |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 001-177-13 |
|---|---|
| Street Address | 21148 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 13 BLD4 U/F 433 |
| Legal Subdivision | LAKE CREST CONDOS PH 02 |
| Legal Block | 4 |
| Legal Unit | 13 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 6217 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 21148 COLD SPRING LN # 13, 13, CORNELIUS, NC 28031-6437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Feb 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 26, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2016 · Amount on Record |
| Deed Sale | Oct 31, 2016 · Amount on Record |
| Prior Sale | Feb 25, 2015 · Amount on Record |
| Deed Document Number | 0031301515 |
| Deed Book / Page | 31301 / 515 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21148 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000093292 |
|---|---|
| Date | Sep 30, 2024 |
| Book Page | 39107/531 |
| Instrument | 2024093292 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21148 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000023652 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | 37060/864 |
| Instrument | 2022023652 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21148 COLD SPRING LN, CORNELIUS, NC 28031-6437 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000035112 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 32553/624 |
| Instrument | 2018035112 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | 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 |
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