Mecklenburg County property record for 22830 Torrence Chapel Rd, Cornelius, NC 28031
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6 ba · 5,019 sqft · built 1996 |
| Lot Size | 0.529 acres (23,054 sqft) |
| Owner | Individual Name on File |
| Last Sale | $3,100,000 (Jan 2024) |
| Tax Bill | $24,203 (2023) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Sep 2021 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-551-13 |
| Primary APN | 001-551-13 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,019 sqft Heated Area |
| Gross Area | 6,938 sqft |
| 1st Floor Area | 2,915 sqft |
| Upper Floors Area | 2,669 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Stucco |
| Foundation Type | Raised |
| Roof Material | Wood |
| Lot Area | 23,054 sqft (0.529 acres) |
| Garage Area | 1,153 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 201 sqft |
| Deck Area | 534 sqft |
| Patio Area | 777 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 001-551-13 |
|---|---|
| Street Address | 22830 TORRENCE CHAPEL RD |
| City | CORNELIUS |
| State | NC |
| Zip | 28031-6801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Description | L9 M22-645 |
| Legal Subdivision | KNOX LNDG |
| Legal Lot Number | 9 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 10, LEMLEY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 6216 |
22830 Torrence Chapel Rd is owned and occupied by an individual who bought it in January 2024.
Source: Mecklenburg County records, as of January 24, 2024
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 22830 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6801 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Sep 13, 2021 | Correction Deed MASTER TITLE |
| Sep 9, 2021 | Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Nov 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Oct 7, 2019 | Deed of Trust, Mortgage GUARANTEED RATE |
| Oct 12, 2018 | Warranty Deed, Transfer GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2024 · Amount on File |
| Deed Sale | Jan 16, 2024 · Amount on File |
| Prior Sale | Sep 9, 2021 · Amount on File |
| Deed Document Number | 2024003779 |
| Deed Book / Page | 38582 / 819 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jan 16, 2024 |
| Property Address | 22830 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6801 |
| Document Number | 0000003779 |
| Book / Page | 38582 / 819 |
| Map Reference | MB 22 PG 645 |
| Instrument Date | Jan 16, 2024 |
| Instrument | 2024003779 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2024 |
| Title Company | MASTER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 145 SPA DR, ANNAPOLIS, MD 21403-1112 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 22830 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6801 |
| Document Number | 0000003780 |
|---|---|
| Date | Jan 16, 2024 |
| Instrument | 2024003780 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Feb 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.7% |
| Max Rate | 10.7% |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 13, 2021 |
| Property Address | 22830 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6801 |
| Document Number | 0000174739 |
| Book / Page | 36518 / 198 |
| Map Reference | MB 22 PG 645 |
| Instrument Date | Sep 10, 2021 |
| Instrument | 2021174739 |
| Record Updated | May 25, 2023 |
| Title Company | MASTER TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 18706 LANTEEN BROOK CT, CORNELIUS, NC 28031-5529 |
| Name | Verified Name |
|---|---|
| Address | 22830 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6801 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 9, 2021 |
| Property Address | 22830 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6801 |
| Document Number | 0000173382 |
| Book / Page | 36510 / 596 |
| Map Reference | MB 22 PG 645 |
| Instrument Date | Sep 9, 2021 |
| Instrument | 2021173382 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | MASTER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18706 LANTEEN BROOK CT, CORNELIUS, NC 28031-5529 |
| Name | Verified Name |
|---|---|
| Address | 22830 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6801 |
| Document Number | 0000173383 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 2021173383 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.35% |
| Type Change Date | Oct 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.35% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.35% |
| Document Number | 0000180130 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 36549/121 |
| Instrument | 2021180130 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.35% |
| Type Change Date | Oct 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.35% |
| Index | 1-Year LIBOR |
| Margin | 3 |
| Max Rate | 7.35% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 22830 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6801 |
| Document Number | 0000162502 |
| Instrument Date | Nov 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 22830 TORRENCE CHAPEL RD CORNELIUS NC 280316801, CORNELIUS, NC 28031-6801 |
| Document Number | 0000162502 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 034076/000809 |
| Instrument | 162502 |
| Name | SPRING EQ LLC |
|---|---|
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 26, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 22830 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6801 |
| Document Number | 0000137020 |
| Instrument Date | Oct 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 22830 TORRENCE CHAPEL RD CORNELIUS NC 280316801, CORNELIUS, NC 28031-6801 |
| Document Number | 0000137020 |
|---|---|
| Date | Oct 11, 2019 |
| Book Page | 033935/000941 |
| Instrument | 137020 |
| Name | GUARANTEED RATE |
|---|---|
| Address | 3940 N RAVENSWOOD AVE, CHICAGO, IL 60613-2420 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 10, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Oct 12, 2018 |
| Property Address | 22830 TORRENCE CHAPEL RD, CORNELIUS, NC 28031-6801 |
| Document Number | 0000129195 |
| Book / Page | 033041 / 000018 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 129195 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 22830 TORRENCE CHAPEL RD CORNELIUS NC 280316801, CORNELIUS, NC 28031-6801 |
| Document Number | 129196 |
|---|---|
| Date | Oct 12, 2018 |
| Book Page | 033041/000020 |
| Instrument | 129196 |
| Name | GUARANTEED RATE |
|---|---|
| Address | 3990 N RAVENSWOOD AVE, CHICAGO, IL 60613 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 11, 2048 |
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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $24,203.00 | $2,851,200 Land $1,595,000 Building $1,256,200 | $2,851,200 Land $1,595,000 Building $1,256,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22830 Torrence Chapel Rd 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 | 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.
Wildfire risk around 22830 Torrence Chapel Rd 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 99.1% of the US · lower than 99.5% 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 64 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 |
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