21514 Old Canal St, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 21514 Old Canal St, Cornelius, NC 28031

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,848 sqft · built 2012
Lot Size	0.067 acres (2,919 sqft)
Owner	Individual Name on File
Last Sale	$489,000 (Jul 2023)
Tax Bill	$2,968 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`007-516-65`

Property Details

APN / Parcel Number

Primary APN	`007-516-65`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,848 sqft Living Area
1st Floor Area	989 sqft
Upper Floors Area	989 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Concrete
Lot Area	2,919 sqft (0.067 acres)
Garage Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	21514 OLD CANAL ST
City	CORNELIUS
State	NC
Zip	28031-8158
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	TC
Legal Description	L4 M53-521
Legal Subdivision	CORNELIUS TOD
Legal Block	6
Legal Lot Number	4
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	1
Census Block	1008
Census Tract	6409

Owner

21514 Old Canal St, a townhouse, is owned and occupied by an individual who bought it in July 2023.

Source: Mecklenburg County records, as of March 25, 2026

Owner of Record	Individual Name on File
Mailing Address	21514 OLD CANAL ST, CORNELIUS, NC 28031-8158
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 27, 2023	Warranty Deed, Transfer · Conventional Mortgage UT CORPORATION
Sep 10, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Apr 28, 2017	Warranty Deed, Transfer · Conventional Mortgage SIRVA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2023 · Amount on File
Deed Sale	Jul 27, 2023 · Amount on File
Prior Sale	Sep 10, 2020 · Amount on File
Deed Document Number	202371180
Deed Book / Page	38275 / 248
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	21514 OLD CANAL ST, CORNELIUS, NC 28031-8158
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21514 OLD CANAL ST, CORNELIUS, NC 28031-8158

Mortgage

Document Number	0000026900
Date	Mar 18, 2026
Book Page	40274/894
Instrument	2026026900

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	331 Months
Due	Oct 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jul 27, 2023
Property Address	21514 OLD CANAL ST, CORNELIUS, NC 28031-8158
Document Number	0000071180
Book / Page	38275 / 248
Map Reference	MB 53 PG 521
Instrument Date	Jul 27, 2023
Instrument	2023071180
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$978.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 ROBERT DANIEL DR APT 6203, 6203, DANIEL ISLAND, SC 29492-7348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21514 OLD CANAL ST, CORNELIUS, NC 28031-8158

Mortgage

Document Number	0000071181
Date	Jul 27, 2023
Instrument	2023071181

Lender

Name	UT CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Sep 10, 2020
Property Address	21514 OLD CANAL ST, CORNELIUS, NC 28031-8158
Document Number	0000145453
Book / Page	35036 / 348
Map Reference	MB 53 PG 521
Instrument Date	Sep 10, 2020
Instrument	2020145453
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3054 LORI LN, 3054, YADKINVILLE, NC 27055-5653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21514 OLD CANAL ST, CORNELIUS, NC 28031-8158

Mortgage

Document Number	0000145454
Date	Sep 10, 2020
Instrument	2020145454

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

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

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Apr 28, 2017
Property Address	21514 OLD CANAL ST, CORNELIUS, NC 28031-8158
Document Number	0000055615
Book / Page	31758 / 599
Map Reference	MAP5 MB53 PG521
Instrument Date	Apr 28, 2017
Instrument	2017055615
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$556.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 QUINCY CT, 117, MOORESVILLE, NC 28117-7340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W PINE ST, LINCOLNTON, NC 28092-2161

Mortgage

Document Number	0000055616
Date	Apr 28, 2017
Instrument	2017055616

Lender

Name	SIRVA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 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		$444,900 Land $105,000 Building $339,900	$444,900 Land $105,000 Building $339,900
2024	$2,968.00 (-22.87%)
2023	$3,848.00	$453,400 Land $105,000 Building $348,400	$453,400 Land $105,000 Building $348,400

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

Flood

FEMA maps place 21514 Old Canal St in Zone X, an area of minimal flood risk.

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	8 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 21514 Old Canal St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: TDS Telecom.

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