1122 Riding Trail Ln, Concord, NC 28027 Property Records

Cabarrus County property record for 1122 Riding Trail Ln, Concord, NC 28027

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,352 sqft · built 1980
Lot Size	2.07 acres (90,169 sqft)
Owner	2 Individual Names on File
Last Sale	$200,277 (May 2005)
Tax Bill	$2,973 (2023)
Deeds & Mortgages	Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03012B0042.000000`

Property Details

APN / Parcel Number

Primary APN	`03012B0042.000000`
Alternative APNs	`4691 35 5299` `26120`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,352 sqft Living Area
Gross Area	5,759 sqft
1st Floor Area	2,192 sqft
Upper Floors Area	1,160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	90,169 sqft (2.07 acres)
Lot Width	200 ft Width
Garage Type	Mixed
Garage Area	1,687 sqft
Driveway	Concrete Driveway
Driveway Area	600 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	654 sqft
Deck Area	194 sqft
Patio Area	528 sqft
Storage Building	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	26120
Street Address	1122 RIDING TRAIL LN
City	CONCORD
State	NC
Zip	28027-7497
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CR
Legal Description	LT 97 ROLLINGWOOD FOREST
Legal Subdivision	ROLLINGWOOD FOREST
Legal Lot Number	97
Jurisdiction	CABARRUS NC
Township / Civil Division	3, ODELL
Census Block Group	2
Census Block	2000
Census Tract	41305

Owner

1122 Riding Trail Ln, a rural home, is owned and occupied by two individuals who acquired it in March 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	1122 RIDING TRAIL LN, CONCORD, NC 28027-7497
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2005 · Amount on File
Deed Sale	May 25, 2005 · Amount on File
Prior Sale	Jun 3, 2004 · Amount on File
Deed Book / Page	5984 / 23
Last Transfer Date	Mar 5, 2014
Transfer Doc	10887247
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1122 RIDING TRAIL LN, CONCORD, NC 28027-7497
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014339211
Date	Jul 20, 2020
Book Page	14339/211

Lender

Name	UWHARRIE BANK
Type	Bank
Address	CONCORD, NC 28025

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$568,500 (-) Land $99,000 Building $469,500
2025		$568,500 Land $99,000 Building $469,500
2024			$568,500 (+54.49%) Land $99,000 Building $469,500
2023	$2,973.00	$367,990 Land $99,000 Building $268,990	$367,990 Land $99,000 Building $268,990

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

Flood

FEMA maps place 1122 Riding Trail Ln 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	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

Wildfire risk around 1122 Riding Trail Ln 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 64% of the US · above 50% 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 45 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 / 35
Verizon Fixed Wireless	300 / 20