Mecklenburg County property record for 21516 Rio Oro Dr, Cornelius, NC 28031
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,376 sqft · built 1977 |
| Lot Size | 0.233 acres (10,167 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Dec 2013) |
| Tax Bill | $8,100 (2023) |
| Deeds & Mortgages | Mar 2023 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-297-17 |
| Primary APN | 001-297-17 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,376 sqft Heated Area |
| Gross Area | 1,819 sqft |
| 1st Floor Area | 1,376 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 10,167 sqft (0.233 acres) |
| Garage Area | 273 sqft |
| Porch | Porch |
| Porch Area | 170 sqft |
| Deck Area | 56 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Old Parcel Number | 001-297-17 |
|---|---|
| Street Address | 21516 RIO ORO DR |
| City | CORNELIUS |
| State | NC |
| Zip | 28031-6724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Description | L39 M14-339 |
| Legal Subdivision | BAHIA BAY SEC 02 |
| Legal Lot Number | 39 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 6217 |
21516 Rio Oro Dr is owned and occupied by two individuals who bought it in December 2013.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21516 RIO ORO DR, CORNELIUS, NC 28031-6724 |
| 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.
| Date | Document |
|---|---|
| Mar 8, 2023 | Deed of Trust, Mortgage · Line of Credit THE FIDELITY BANK |
| Jan 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2013 · Amount on File |
| Deed Sale | Dec 10, 2013 · Amount on File |
| Deed Document Number | 0028883112 |
| Deed Book / Page | 28883 / 112 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21516 RIO ORO DR, CORNELIUS, NC 28031-6724 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 21516 RIO ORO DR, CORNELIUS, NC 28031-6724 |
| Document Number | 0000020549 |
|---|---|
| Date | Mar 8, 2023 |
| Book Page | 37979/111 |
| Instrument | 2023020549 |
| Name | THE FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | MOORESVILLE, NC 28117 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21516 RIO ORO DR, CORNELIUS, NC 28031-6724 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018143 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 35612/101 |
| Instrument | 2021018143 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21516 RIO ORO DR, CORNELIUS, NC 28031-6724 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000048314 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 34445/400 |
| Instrument | 2020048314 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2040 |
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) |
FEMA maps place 21516 Rio Oro Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 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.
Wildfire risk around 21516 Rio Oro Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.9% 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 187 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 | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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