107 McCray Ave, Kannapolis, NC 28081 Property Records

Cabarrus County property record for 107 McCray Ave, Kannapolis, NC 28081

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,478 sqft · built 1955
Lot Size	0.345 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Jun 2023)
Tax Bill	$1,561 (2023)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5614 22 1009`

Property Details

APN / Parcel Number

Primary APN	`5614 22 1009`
Alternative APNs	`04012 0140.000000` `137010` `163656`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,478 sqft Living Area
Gross Area	2,848 sqft
1st Floor Area	1,478 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.345 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Driveway	Concrete Driveway
Driveway Area	1,000 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	154 sqft
Patio Area	216 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	163656
Street Address	107 MCCRAY AVE
City	KANNAPOLIS
State	NC
Zip	28081-3337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LTS 3-6 WEST BROOK BLK E
Legal Subdivision	WEST C ST
Legal Block	E
Legal Lot Number	3-6
Jurisdiction	CABARRUS NC
Township / Civil Division	4, KANNAPOLIS
Census Block Group	2
Census Block	2017
Census Tract	41002

Owner

107 McCray Ave is owned and occupied by two individuals who bought it in June 2023.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	107 MCCRAY AVE, KANNAPOLIS, NC 28081-3337
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Feb 7, 2023	Warranty Deed, Transfer NOT AVAILABLE, TRYON TITLE COMPANY
Mar 26, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2023 · Amount on File
Deed Sale	Jun 21, 2023 · Amount on File
Prior Sale	Feb 7, 2023 · Amount on File
Deed Document Number	202312563
Deed Book / Page	16538 / 80
Prior Transfer Date	Mar 19, 2020
Prior Transfer Doc	14080315
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 21, 2023
Property Address	107 MCCRAY AVE, KANNAPOLIS, NC 28081-3337
Document Number	0001653880
Book / Page	16538 / 80
Map Reference	MB 6 PG 7
Instrument Date	Jun 21, 2023
Transaction Type	Transfer
Record Updated	Jul 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1039 WESTLAKE DR, KANNAPOLIS, NC 28081-8150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 MCCRAY AVE, KANNAPOLIS, NC 28081-3337

Mortgage

Document Number	0165380083
Date	Jun 21, 2023
Instrument	16538-0083

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.4%
Index	5-Year CMT
Max Rate	11.4%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Feb 7, 2023
Property Address	107 MCCRAY AVE, KANNAPOLIS, NC 28081-3337
Document Number	0000163661
Book / Page	16366 / 1
Map Reference	MB 6 PG 7
Instrument Date	Feb 7, 2023
Transaction Type	Transfer
Record Updated	Feb 16, 2023
Title Company	NOT AVAILABLE, TRYON TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 WESTLAKE DR, KANNAPOLIS, NC 28081-8150

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CABARRUS NC
Recording Date	Mar 26, 2020
Property Address	107 MCCRAY AVE, KANNAPOLIS, NC 28081-3337
Document Number	14080315
Book / Page	014080 / 000315
Instrument Date	Mar 19, 2020
Instrument	9170
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 BROOK ST KANNAPOLIS NC 280836006, KANNAPOLIS, NC 28083-6006

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Kannapolis City
Unified School District	Kannapolis City Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$219,950 (-) Land $57,600 Building $162,350
2025		$219,950 Land $57,600 Building $162,350
2024			$219,950 (+93.06%) Land $57,600 Building $162,350
2023	$1,561.00	$113,930 Land $15,360 Building $98,570	$113,930 Land $15,360 Building $98,570

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

Flood

FEMA maps place 107 McCray Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jun 2023 · river or lake flooding

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

Wildfire risk around 107 McCray Ave is low, with 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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	CITY OF KANNAPOLIS serves 56,050 people · EPA ID NC0180065
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Apr 2026
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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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