Mecklenburg County property record for 21904 Torrence Chapel Rd, Cornelius, NC 28031
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 4,334 sqft · built 2017 |
| Lot Size | 0.461 acres (20,081 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $865,000 (Aug 2026) |
| Tax Bill | $4,945 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jun 2021 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-741-43 |
| Primary APN | 001-741-43 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,334 sqft Living Area |
| Gross Area | 4,714 sqft |
| 1st Floor Area | 1,337 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Material | Other |
| Lot Area | 20,081 sqft (0.461 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 21904 TORRENCE CHAPEL RD |
|---|---|
| City | CORNELIUS |
| State | NC |
| Zip | 28031-6783 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Description | L9 M57-494 |
| Legal Subdivision | TORRENCXE CHAPEL SUBDIVISIONS |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 6216 |
Source: Mecklenburg County records, as of September 22, 2026
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 | 21904 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6783 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Aug 31, 2026 | Warranty Deed, Transfer · Conventional Mortgage RELIANT FUNDING |
| Jun 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC |
| May 7, 2021 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Jan 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG |
| Aug 15, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| May 30, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage CARTER LUMBER OF THE SOUTH INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2026 · Amount on Record |
| Deed Sale | Aug 31, 2026 · Amount on Record |
| Prior Sale | Jun 25, 2021 · Amount on Record |
| Deed Document Number | 202694079 |
| Deed Book / Page | 40686 / 215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Aug 31, 2026 |
| Property Address | 21904 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6783 |
| Document Number | 0000094079 |
| Book / Page | 40686 / 215 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 202694079 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $174,730.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21904 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6783 |
| Document Number | 0000094080, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 202694080 |
| Name | RELIANT FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jun 25, 2021 |
| Property Address | 21904 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6783 |
| Document Number | 0000124393 |
| Book / Page | 36225 / 615 |
| Map Reference | MB 57 PG 494 |
| Instrument Date | Jun 24, 2021 |
| Instrument | 2021124393 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,220.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 21904 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6783 |
| Document Number | 0000124394 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 2021124394 |
| Name | PREMIA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 7, 2021 |
| Property Address | 21904 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6783 |
| Document Number | 0000091193 |
| Book / Page | 36036 / 673 |
| Map Reference | MB 57 PG 494 |
| Instrument Date | May 5, 2021 |
| Instrument | 2021091193 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,082.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 HONEYCOMB MESA, LEANDER, TX 78641-8959 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 21904 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6783 |
| Document Number | 0000013106 |
| Instrument Date | Jan 6, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21904 TORRENCE CHAPEL RD CORNELIUS NC 280316783, CORNELIUS, NC 28031-6783 |
| Document Number | 0000013106 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 035580/000790 |
| Instrument | 13106 |
| Name | AMERISAVE MTG |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Aug 15, 2018 |
| Property Address | 21904 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6783 |
| Document Number | 0000103430 |
| Book / Page | 32906 / 645 |
| Map Reference | MB57 PG494 |
| Instrument Date | Aug 15, 2018 |
| Instrument | 2018103430 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $830.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1345, FORT MILL, SC 29716-1345 |
| Name | Verified Name |
|---|---|
| Address | 21904 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6783 |
| Document Number | 0000103431 |
|---|---|
| Date | Aug 15, 2018 |
| Instrument | 2018103431 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | May 30, 2017 |
| Property Address | 21904 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6783 |
| Book / Page | 031838 / 000498 |
| Instrument Date | May 30, 2017 |
| Instrument | 70799 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 13, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 1345 FORT MILL SC 297161345, FORT MILL, SC 29716-1345 |
| Investor | Possibly a Property Investor |
| Document Number | 0000070799 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 031838/000498 |
| Instrument | 70799 |
| Name | CARTER LUMBER OF THE SOUTH INC |
|---|---|
| Address | 601 TALLMADGE RD, KENT, OH 44240-7331 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 29, 2018 |
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 | $4,945.00 (+1.56%) | $734,600 Land $95,000 Building $639,600 | $734,600 Land $95,000 Building $639,600 |
| 2024 | $4,869.00 |
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 | 2 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 | 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 | 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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