Mecklenburg County property record for 21705 Torrence Chapel Rd, Cornelius, NC 28031
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,013 sqft · built 2005 |
| Lot Size | 0.325 acres (14,157 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $567,000 (Sep 2025) |
| Tax Bill | $2,659 (2024) |
| Deeds & Mortgages | Apr 2023 Line of Credit May 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-743-16 |
| Primary APN | 001-743-16 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,013 sqft Living Area |
| 1st Floor Area | 2,013 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 14,157 sqft (0.325 acres) |
| Garage Area | 400 sqft |
| Porch | Slab |
| Porch Area | 125 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 21705 TORRENCE CHAPEL RD |
|---|---|
| City | CORNELIUS |
| State | NC |
| Zip | 28031-6780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Description | L32 M37-483 |
| Legal Subdivision | TORRENCE CHAPEL ESTATES |
| Legal Block | 3 |
| Legal Lot Number | 32 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 6217 |
Source: Mecklenburg County records, as of October 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 19701 BETHEL CHURCH RD, 103, CORNELIUS, NC 28031-4069 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Apr 26, 2023 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| May 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC |
| Sep 15, 2025 | Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE |
| Oct 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2025 · Amount on Record |
| Deed Sale | Sep 15, 2025 · Amount on Record |
| Prior Sale | Oct 10, 2023 · Amount on Record |
| Deed Document Number | 202593537 |
| Deed Book / Page | 39859 / 183 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21705 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6780 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 21705 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6780 |
| Document Number | 0000037824 |
|---|---|
| Date | Apr 26, 2023 |
| Book Page | 38079/990 |
| Instrument | 2023037824 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 14, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21705 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6780 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 21705 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6780 |
| Document Number | 0000045438 |
|---|---|
| Date | May 12, 2025 |
| Book Page | 39575/366 |
| Instrument | 2025045438 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 15, 2025 |
| Property Address | 21705 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6780 |
| Document Number | 0000093537 |
| Book / Page | 39859 / 183 |
| Map Reference | MB 37 PG 483 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 2025093537 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2025 |
| Title Company | BARRISTER TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,134.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6531 MARAUDER DR, NASHVILLE, TN 37209-2715 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 19701 BETHEL CHURCH RD, CORNELIUS, NC 28031-4072 |
| Document Number | 0000093538 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 2025093538 |
| Name | NOVUS HOME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 10, 2023 |
| Property Address | 21705 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6780 |
| Document Number | 0000096648 |
| Book / Page | 38419 / 674 |
| Map Reference | MB 37 PG 483 |
| Instrument Date | Oct 10, 2023 |
| Instrument | 2023096648 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $978.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 235 HARBOR LANDING DR, MOORESVILLE, NC 28117-9444 |
| Name | Verified Name |
|---|---|
| Address | 21705 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6780 |
| Document Number | 0000096649 |
|---|---|
| Date | Oct 10, 2023 |
| Instrument | 2023096649 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21705 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6780 |
| Document Number | 0000100892 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2020 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 21705 TORRENCE CHAPEL RD CORNELIUS NC 280316780, CORNELIUS, NC 28031-6780 |
| Document Number | 0000100892 |
|---|---|
| Date | Jul 6, 2020 |
| Book Page | 034770/000659 |
| Instrument | 100892 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 5, 2035 |
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 | $397,800 (-) Land $95,000 Building $302,800 | $397,800 (-) Land $95,000 Building $302,800 | |
| 2024 | $2,659.00 (-21.24%) | ||
| 2023 | $3,376.00 | $397,800 Land $95,000 Building $302,800 | $397,800 Land $95,000 Building $302,800 |
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 |
|---|---|
| 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 97% of the US · lower than 98.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 180 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 · 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 |
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