Mecklenburg County property record for 22013 Torrence Chapel Rd, Cornelius, NC 28031
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,008 sqft · built 1977 |
| Lot Size | 0.23 acres (10,052 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $218,000 (Apr 2018) |
| Tax Bill | $2,741 (2023) |
| Deeds & Mortgages | Jul 2022 Mortgage Feb 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-292-06 |
| Primary APN | 001-292-06 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Heated Area |
| Gross Area | 1,296 sqft |
| 1st Floor Area | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 10,052 sqft (0.23 acres) |
| Deck Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Old Parcel Number | 001-292-06 |
|---|---|
| Street Address | 22013 TORRENCE CHAPEL RD |
| City | CORNELIUS |
| State | NC |
| Zip | 28031-6786 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Description | L48 M15-165 |
| Legal Subdivision | BAHIA BAY SEC 01 |
| Legal Lot Number | 48 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 6217 |
Source: Mecklenburg County records, as of May 24, 2023
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 | 22013 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6786 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Feb 4, 2020 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Apr 20, 2018 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Aug 7, 2017 | Warranty Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2018 · Amount on Record |
| Deed Sale | Apr 20, 2018 · Amount on Record |
| Prior Sale | Aug 7, 2017 · Amount on Record |
| Deed Document Number | 0032616211 |
| Deed Book / Page | 32616 / 211 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 22013 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6786 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000097905 |
|---|---|
| Date | Jul 1, 2022 |
| Book Page | 37470/754 |
| Instrument | 2022097905 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.5% |
| Index | 5-Year CMT |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 22013 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6786 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000016223 |
|---|---|
| Date | Feb 4, 2020 |
| Book Page | 34257/934 |
| Instrument | 2020016223 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | CORNELIUS, NC 28031 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 20, 2018 |
| Property Address | 22013 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6786 |
| Document Number | 0000047244 |
| Book / Page | 32616 / 211 |
| Map Reference | MB15 PG165 |
| Instrument Date | Apr 20, 2018 |
| Instrument | 2018047244 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Title Company | STATEWIDE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $436.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21630 RIO ORO DR, 21630, CORNELIUS, NC 28031-6726 |
| Name | Verified Name |
|---|---|
| Address | 22013 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6786 |
| Document Number | 0000047245 |
|---|---|
| Date | Apr 20, 2018 |
| Instrument | 2018047245 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Aug 7, 2017 |
| Property Address | 22013 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6786 |
| Document Number | 0000106685 |
| Book / Page | 032027 / 000094 |
| Instrument Date | Aug 2, 2017 |
| Instrument | 106685 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2017 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Tax | $350.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21630 RIO ORO DR CORNELIUS NC 280316726, CORNELIUS, NC 28031-6726 |
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) |
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 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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