10851 Troutman Rd, Midland, NC 28107 Property Records

Cabarrus County property record for 10851 Troutman Rd, Midland, NC 28107

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,344 sqft · built 2006
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on File
Last Sale	$89,500 (Apr 2009)
Tax Bill	$1,229 (2023)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5545 45 7935`

Property Details

APN / Parcel Number

Primary APN	`5545 45 7935`
Alternative APNs	`10013 0010.800000` `62287`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	1,658 sqft
1st Floor Area	1,344 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
Lot Dimensions	328 ft deep x 158 ft wide
Driveway	Asphalt Driveway
Driveway Area	480 sqft

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	186 sqft
Patio Area	186 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	62287
Street Address	10851 TROUTMAN RD
City	MIDLAND
State	NC
Zip	28107-6760
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CR
Legal Description	TRACT 3 EDWARD R BUCKNER PROPERTY
Legal Subdivision	POLK LAND
Legal Tract	3
Jurisdiction	CABARRUS NC
Township / Civil Division	10, MIDLAND
Census Block Group	3
Census Block	3006
Census Tract	41604

Owner

10851 Troutman Rd, a rural home, is owned and occupied by two individuals who bought it in April 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	10851 TROUTMAN RD, MIDLAND, NC 28107-6760
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
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 9, 2025	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2009 · Amount on File
Deed Sale	Apr 17, 2009 · Amount on File
Prior Sale	Oct 28, 2008 · Amount on File
Deed Book / Page	8684 / 46
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	10851 TROUTMAN RD, MIDLAND, NC 28107-6760
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000153941
Date	Aug 9, 2021
Book Page	15394/1

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	10851 TROUTMAN RD, MIDLAND, NC 28107-6760
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10851 TROUTMAN RD, MIDLAND, NC 28107-6760

Mortgage

Document Number	0001726279
Date	Jan 9, 2025
Book Page	17262/79

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	10851 TROUTMAN RD, MIDLAND, NC 28107-6760
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	153941
Date	Aug 9, 2021
Book Page	15394/1

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	10851 TROUTMAN RD, MIDLAND, NC 28107-6760
Document Number	1381317
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10851 TROUTMAN RD MIDLAND NC 281076760, MIDLAND, NC 28107-6760

Mortgage

Document Number	1381317
Date	Oct 30, 2019
Book Page	013813/000017
Instrument	30048

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 29, 2039

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		$263,140 Land $49,400 Building $213,740
2024			$263,140 (+79.88%) Land $49,400 Building $213,740
2023	$1,229.00	$146,290 Land $31,200 Building $115,090	$146,290 Land $31,200 Building $115,090

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

Flood

FEMA maps place 10851 Troutman Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2008–2020)
Most Recent Claim	Apr 2020 · 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 10851 Troutman Rd 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 80% of the US · lower than 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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