10875 Reed Mine Rd, Midland, NC 28107 Property Records

Cabarrus County property record for 10875 Reed Mine Rd, Midland, NC 28107

Property Summary

Property Type	Rural Home
Details	2 bd · 2.5 ba · 2,032 sqft · built 1925
Lot Size	25 acres (1,089,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Jun 2016)
Tax Bill	$2,633 (2023)
Deeds & Mortgages	May 2017 Mortgage May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5565 38 5656`

Property Details

APN / Parcel Number

Primary APN	`5565 38 5656`
Alternative APNs	`10010 0003.100000` `108939`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,032 sqft Living Area
Gross Area	3,499 sqft
1st Floor Area	2,032 sqft
Attic	Attic
Attic Area	168 sqft
Basement Area	171 sqft
Unfinished Basement	171 sqft
Cellar	Cellar
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,089,000 sqft (25 acres)
Lot Width	241 ft Width
Garage Type	Mixed
Garage Area	4,000 sqft
Driveway	Asphalt Driveway
Driveway Area	330 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	504 sqft
Patio Area	120 sqft
Shed	1 Shed
Shed Area	680 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	108939
Street Address	10875 REED MINE RD
City	MIDLAND
State	NC
Zip	28107-8601
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AO
Legal Description	E/S REED MINE RD
Legal Subdivision	REED GOLD MINE
Jurisdiction	CABARRUS NC
Township / Civil Division	10, MIDLAND
Census Block Group	1
Census Block	1016
Census Tract	41604

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Reed Gold Mine listed 1966 · 4 contributing resources · National Historic Landmark (designated 1966) · NRIS 66000587

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	10875 REED MINE RD, MIDLAND, NC 28107-8601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
May 1, 2017	Deed of Trust, Mortgage · ARM FIRST CITIZENS BANK & TRUST CO
Nov 21, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Feb 23, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2016 · Amount on Record
Deed Sale	Jun 1, 2016 · Amount on Record
Prior Sale	Sep 26, 1991 · Amount on Record
Deed Document Number	201611947-0308
Deed Book / Page	11947 / 308
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	10875 REED MINE RD, MIDLAND, NC 28107-8601
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012468193
Date	May 1, 2017
Book Page	12468/0193
Instrument	12468-0193

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	10875 REED MINE RD, MIDLAND, NC 28107-8601
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012468175
Date	May 1, 2017
Book Page	12468/0175
Instrument	12468-0175

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	10875 REED MINE RD, MIDLAND, NC 28107-8601
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013275310
Date	Nov 21, 2018
Book Page	13275/0310

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	10875 REED MINE RD, MIDLAND, NC 28107-8601
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	STEWART TTL GUARANTY CO NON

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014934134
Date	Feb 23, 2021
Book Page	14934/134

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$461,820 (+45.95%)
2024			$773,880 (+62.69%) Land $412,580 Building $361,300
2023	$2,633.00	$316,420	$475,670 Land $211,540 Building $264,130

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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	0.01% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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