10090 Enclave Cir, Concord, NC 28027 Property Records

Cabarrus County property record for 10090 Enclave Cir, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 5,965 sqft · built 2007
Lot Size	2.21 acres (96,268 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,800,000 (Apr 2021)
Tax Bill	$10,394 (2023)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Apr 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03009E0005.000000`

Property Details

APN / Parcel Number

Primary APN	`03009E0005.000000`
Alternative APNs	`4672 98 3820` `146071` `56735`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	5,965 sqft Living Area
Gross Area	8,638 sqft
1st Floor Area	3,219 sqft
Upper Floors Area	2,746 sqft
Attic	Attic
Attic Area	259 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	96,268 sqft (2.21 acres)
Lot Width	284 ft Width
Garage Type	Mixed
Garage Area	1,146 sqft
Driveway	Asphalt Driveway
Driveway Area	1,760 sqft
Parking Spaces	5 Parking Spaces
Pool Area	620 sqft
Porch	Slab
Porch Area	455 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	146071
Street Address	10090 ENCLAVE CIR
City	CONCORD
State	NC
Zip	28027-7810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	LT 5 THE ENCLAVE
Legal Subdivision	THE ENCLAVE
Legal Lot Number	5
Jurisdiction	CABARRUS NC
Township / Civil Division	3, ODELL
Census Block Group	1
Census Block	1003
Census Tract	41301

Owner

Source: Cabarrus County records, as of August 27, 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	10090 ENCLAVE CIR, CONCORD, NC 28027-7810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Apr 28, 2020	Loan Modification, Mortgage · Conventional Mortgage TRUIST BK
May 30, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Aug 6, 2010 · Amount on Record
Deed Book / Page	15138 / 285
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Apr 30, 2021
Property Address	10090 ENCLAVE CIR, CONCORD, NC 28027-7810
Document Number	0015138285
Book / Page	15138 / 285
Map Reference	MB 49 PG 9
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2250 LAURENS DR, 2250, CONCORD, NC 28027-7637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10090 ENCLAVE CIR, CONCORD, NC 28027-7810

Mortgage

Document Number	0015138287
Date	Apr 30, 2021
Instrument	15138/287

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.25%
Index	Other
Margin	3
Max Rate	7.25%

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CABARRUS NC
Property Address	10090 ENCLAVE CIR, CONCORD, NC 28027-7810
Document Number	14156150
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10090 ENCLAVE CIR CONCORD NC 280277810, CONCORD, NC 28027-7810

Mortgage

Document Number	14156150
Date	May 4, 2020
Book Page	014156/000150
Instrument	13219

Lender

Name	TRUIST BK
Address	DURHAM, NC 27701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 30, 2019
Property Address	10090 ENCLAVE CIR, CONCORD, NC 28027-7810
Document Number	13529224
Book / Page	013529 / 000224
Instrument Date	May 30, 2019
Instrument	13157
Transaction Type	Transfer
Record Updated	Jun 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$56.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10090 ENCLAVE CIR CONCORD NC 280277810, CONCORD, NC 28027-7810

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,042,300 (+58.76%) Land $385,000 Building $1,657,300
2024			$2,042,300 (+58.76%) Land $385,000 Building $1,657,300
2023	$10,394.00	$1,286,420 Land $200,000 Building $1,086,420	$1,286,420 Land $200,000 Building $1,086,420

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 July 1, 2026 · 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
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	27 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 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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