972 Gardners Way, Cornelius, NC 28031 Property Records

Mecklenburg County property record for 972 Gardners Way, Cornelius, NC 28031

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,184 sqft · built 2008
Lot Size	0.033 acres (1,437 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Jun 2026)
Tax Bill	$2,135 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`007-516-46`

Property Details

APN / Parcel Number

Primary APN	`007-516-46`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,184 sqft Living Area
1st Floor Area	595 sqft
Upper Floors Area	595 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick
Lot Area	1,437 sqft (0.033 acres)
Garage Area	240 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	972 GARDNERS WAY
City	CORNELIUS
State	NC
Zip	28031-8172
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	TC
Legal Description	LX6 M50-741
Legal Subdivision	CORNELIUS TOD PH 1 MAP 5
Legal Block	6
Legal Lot Number	X6
Jurisdiction	MECKLENBURG NC
Township / Civil Division	9, DEWEESE
Census Block Group	1
Census Block	1083
Census Tract	6409

Owner

Source: Mecklenburg County records, as of July 15, 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	972 GARDNERS WAY, CORNELIUS, NC 28031-8172
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES
Mar 8, 2024	Deed of Trust, Mortgage · Commercial Mortgage SANDRA L SHELTON
Mar 8, 2024	Deed of Trust, Mortgage · Commercial Mortgage SANDRA L SHELTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Sep 4, 2015 · Amount on Record
Deed Document Number	202669669
Deed Book / Page	40540 / 27
Prior Transfer Date	Nov 16, 2011
Prior Transfer Doc	0000133810
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jun 30, 2026
Property Address	972 GARDNERS WAY, CORNELIUS, NC 28031-8172
Document Number	0000069669
Book / Page	40540 / 27
Instrument Date	Jun 30, 2026
Instrument	202669669
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 GARDNERS WAY, CORNELIUS, NC 28031-8172

Mortgage

Document Number	0000069670,
Date	Jun 30, 2026
Instrument	202669670

Lender

Name	HOWARD HANNA MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	972 GARDNERS WAY, CORNELIUS, NC 28031-8172
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 GARDNERS WAY, CORNELIUS, NC 28031-8172

Mortgage

Document Number	0000020703
Date	Mar 8, 2024
Book Page	38678/522
Instrument	2024020703

Lender

Name	SANDRA L SHELTON
Type	Private Party
Address	3631 CARDINAL DOWNS DR, GREENSBORO, NC 27410

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 28, 2025

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	972 GARDNERS WAY, CORNELIUS, NC 28031-8172
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 GARDNERS WAY, CORNELIUS, NC 28031-8172

Mortgage

Document Number	0000020704
Date	Mar 8, 2024
Book Page	38678/527
Instrument	2024020704

Lender

Name	SANDRA L SHELTON
Type	Private Party
Address	3631 CARDINAL DOWNS DR, GREENSBORO, NC 27410

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 28, 2025

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Cornelius Town
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,135.00 (+1.67%)	$312,500 Land $73,500 Building $239,000	$312,500 Land $73,500 Building $239,000
2024	$2,100.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: TDS Telecom.

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