Mecklenburg County property record for 21505 Rio Oro Dr, Cornelius, NC 28031
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,104 sqft · built 1984 |
| Lot Size | 0.491 acres (21,425 sqft) |
| Owner | Company Name on File |
| Last Sale | $620,000 (Jan 2026) |
| Tax Bill | $2,938 (2024) |
| Deeds & Mortgages | Jan 2026 Sale & Construction Loan Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-296-09 |
| Primary APN | 001-296-09 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,104 sqft Heated Area |
| 1st Floor Area | 2,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 21,425 sqft (0.491 acres) |
| Garage Area | 576 sqft |
| Porch | Porch |
| Porch Area | 544 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 21505 RIO ORO DR |
|---|---|
| City | CORNELIUS |
| State | NC |
| Zip | 28031-6725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Description | L59 &60 M14-339 |
| Legal Subdivision | BAHIA BAY SEC 02 |
| Legal Lot Number | 59,60 60 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 6217 |
Source: Mecklenburg County assessment roll, as of January 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 21520 RIO ORO DR, CORNELIUS, NC 28031-6724 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jan 7, 2026 | Warranty Deed, Construction Loan · Construction Mortgage LOAN FUNDER LLC SERIES 118860 |
| Dec 7, 2020 | Intrafamily Transfer, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 7, 2026 · Amount on Record |
| Deed Sale | Jan 7, 2026 · Amount on Record |
| Prior Sale | Dec 7, 2020 |
| Deed Document Number | 2026001585 |
| Deed Book / Page | 40123 / 726 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jan 7, 2026 |
| Property Address | 21505 RIO ORO DR, CORNELIUS, NC 28031-6725 |
| Document Number | 0000001585 |
| Book / Page | 40123 / 726 |
| Map Reference | MB 14 PG 339 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 2026001585 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 16, 2026 |
| Title Company | TRYON TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21505 RIO ORO DR, CORNELIUS, NC 28031-6725 |
| Name | Verified Name |
|---|---|
| Address | 21520 RIO ORO DR, CORNELIUS, NC 28031-6724 |
| Document Number | 0000001586 |
|---|---|
| Date | Jan 7, 2026 |
| Instrument | 2026001586 |
| Name | LOAN FUNDER LLC SERIES 118860 |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Dec 7, 2020 |
| Property Address | 21505 RIO ORO DR, CORNELIUS, NC 28031-6725 |
| Document Number | 0000206802 |
| Book / Page | 35402 / 675 |
| Map Reference | MB 14 PG 339 |
| Instrument Date | Dec 1, 2020 |
| Instrument | 2020206802 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21505 RIO ORO DR, CORNELIUS, NC 28031-6725 |
| Document Number | 0000206803 |
|---|---|
| Date | Dec 7, 2020 |
| Instrument | 2020206803 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Mecklenburg County assessment roll, as of January 1, 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 | $447,800 Land $184,000 Building $263,800 | ||
| 2024 | $2,938.00 | ||
| 2023 | $447,800 Land $184,000 Building $263,800 |
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAHIA BAY S/D private · serves 350 people · EPA ID NC0160203 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Also Mapped Here | CHARLOTTE WATER |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Copper | 1.91 mg/L (2023–2025) action level 1.3 mg/L |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 246 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 | 1,000 / 1,000 |
| TDS Telecom Cable | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
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