109 Cypress St SW, Concord, NC 28025 Property Records

Cabarrus County property record for 109 Cypress St SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,222 sqft · built 2019
Lot Size	0.206 acres (8,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Nov 2025)
Tax Bill	$1,862 (2023)
Deeds & Mortgages	Sep 2025 Second Mortgage Nov 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`5620 74 5902`

Property Details

APN / Parcel Number

Primary APN	`5620 74 5902`
Alternative APNs	`12037 0056.000000` `135957` `181720`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,222 sqft Living Area
Gross Area	1,464 sqft
1st Floor Area	1,222 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,946 sqft (0.206 acres)
Lot Dimensions	142 ft deep x 63 ft wide
Driveway	Concrete Driveway
Driveway Area	540 sqft

Exterior Amenities

Porch	Slab
Porch Area	102 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	181720
Street Address	109 CYPRESS ST SW
City	CONCORD
State	NC
Zip	28025-5303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	NE SIDE CYPRESS ST
Legal Subdivision	LOGAN NORTH
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	4
Census Block	4000
Census Tract	42101

Historic Designation

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

Historic District	Within the Logan Neighborhood Historic District listed 2025 · 611 contributing resources · NRIS 100012454

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	109 CYPRESS ST SW, CONCORD, NC 28025-5303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 4, 2025	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Jan 15, 2019	Deed of Trust, Mortgage · Construction Mortgage LOCAL GOVERNMENT FCU
Feb 21, 2020	Deed of Trust, Mortgage · FHA Mortgage ALPHA MTG CORP
Jan 29, 2020	Warranty Deed, Transfer · FHA Mortgage ALPHA MORTGAGE CORP
Oct 9, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2025 · Amount on Record
Deed Sale	Nov 4, 2025 · Amount on Record
Prior Sale	Jan 29, 2020 · Amount on Record
Deed Document Number	202525514
Deed Book / Page	17703 / 250
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	109 CYPRESS ST SW, CONCORD, NC 28025-5303
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017599240
Date	Sep 4, 2025
Book Page	17599/240

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Mar 1, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Nov 4, 2025
Property Address	109 CYPRESS ST SW, CONCORD, NC 28025-5303
Document Number	0017703250
Book / Page	17703 / 250
Instrument Date	Nov 3, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	902 COLDWATER CT SE, CONCORD, NC 28025-8378

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 CYPRESS ST SW, CONCORD, NC 28025-5303

Mortgage

Document Number	0017703253
Date	Nov 4, 2025
Instrument	17703/253

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	109 CYPRESS ST SW, CONCORD, NC 28025-5303
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013336334
Date	Jan 15, 2019
Book Page	13336/0334

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	367 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	9.75%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	109 CYPRESS ST SW, CONCORD, NC 28025-5303
Document Number	14017329
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CYPRESS ST SW CONCORD NC 280255303, CONCORD, NC 28025-5303

Mortgage

Document Number	14017329
Date	Feb 24, 2020
Book Page	014017/000329
Instrument	5501

Lender

Name	ALPHA MTG CORP
Address	WILMINGTON, NC 28403

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 29, 2020
Property Address	109 CYPRESS ST SW, CONCORD, NC 28025-5303
Document Number	0013974162
Book / Page	13974 / 0162
Instrument Date	Jan 20, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5890 EMANUEL RD, 5890, ROCKWELL, NC 28138-9055

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CYPRESS ST SW, CONCORD, NC 28025-5303

Mortgage

Document Number	0013974165
Date	Jan 29, 2020
Instrument	13974/165

Lender

Name	ALPHA MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Oct 9, 2018
Property Address	109 CYPRESS ST SW, CONCORD, NC 28025-5303
Document Number	13219339
Book / Page	013219 / 000339
Instrument Date	Oct 5, 2018
Instrument	25424
Transaction Type	Transfer
Record Updated	Oct 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$15.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5890 EMANUEL RD ROCKWELL NC 281389055, ROCKWELL, NC 28138-9055

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		$278,140 (-) Land $44,000 Building $234,140
2025		$278,140 (+82.26%) Land $44,000 Building $234,140
2024			$278,140 (+82.26%) Land $44,000 Building $234,140
2023	$1,862.00	$152,610 Land $9,900 Building $142,710	$152,610 Land $9,900 Building $142,710

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
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 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Google Fiber.

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