1087 Macallum Dr NW, Concord, NC 28027 Property Records

Cabarrus County property record for 1087 Macallum Dr NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,756 sqft · built 2020
Lot Size	0.295 acres (12,850 sqft)
Owner	2 Individual Names on File
Last Sale	$444,500 (Apr 2020)
Tax Bill	$5,401 (2023)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02001O0287.000000`

Property Details

APN / Parcel Number

Primary APN	`02001O0287.000000`
Alternative APNs	`4680 26 4516` `137603`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,756 sqft Living Area
Gross Area	4,650 sqft
1st Floor Area	2,005 sqft
Attic	Attic
Attic Area	110 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Other
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	12,850 sqft (0.295 acres)
Lot Dimensions	130 ft deep x 109 ft wide
Garage Type	Mixed
Garage Area	448 sqft
Driveway	Concrete Driveway
Driveway Area	832 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	137603
Street Address	1087 MACALLUM DR NW
City	CONCORD
State	NC
Zip	28027-8777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Description	LT 287 ALLEN MILLS
Legal Subdivision	ALLEN MILLS
Legal Lot Number	287
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	2
Census Block	2015
Census Tract	41306

Owner

1087 Macallum Dr NW is owned and occupied by two individuals who bought it in April 2020.

Source: Cabarrus County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1087 MACALLUM DR NW, CONCORD, NC 28027-8777
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
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage MLD MORTGAGE
Apr 30, 2020	Warranty Deed, Transfer · Conventional Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2020 · Amount on File
Deed Sale	Apr 30, 2020 · Amount on File
Deed Book / Page	14151 / 322
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1087 MACALLUM DR NW, CONCORD, NC 28027-8777
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015634217
Date	Nov 5, 2021
Book Page	15634/217

Lender

Name	MLD MORTGAGE
Type	Mortgage Company
Address	FLORHAM PARK, NJ 7932

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Apr 30, 2020
Property Address	1087 MACALLUM DR NW, CONCORD, NC 28027-8777
Document Number	0014151322
Book / Page	14151 / 322
Map Reference	MB 82 PG 21-25
Instrument Date	Apr 24, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$889.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11405 N COMMUNITY HOUSE RD STE 150, 11405, CHARLOTTE, NC 28277-4430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1087 MACALLUM DR NW, CONCORD, NC 28027-8777

Mortgage

Document Number	0014151324
Date	Apr 30, 2020
Instrument	14151/324

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	7.87%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$802,500 Land $160,000 Building $642,500
2024			$802,500 (+81.27%) Land $160,000 Building $642,500
2023	$5,401.00	$442,710 Land $86,000 Building $356,710	$442,710 Land $86,000 Building $356,710

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

Flood

FEMA maps place 1087 Macallum Dr NW in Zone X, an area of minimal flood risk.

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	7 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

Wildfire risk around 1087 Macallum Dr NW is low, with a 0.05% annual chance of 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	0.05% 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 CONCORD serves 120,771 people · EPA ID NC0113010
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2017
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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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