Cabarrus County property record for 1128 Setter Ln SE, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,450 sqft · built 1992 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $209,000 (May 2006) |
| Tax Bill | $3,041 (2023) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11026C0108.000000 |
| Primary APN | 11026C0108.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,450 sqft Living Area |
| Gross Area | 3,223 sqft |
| 1st Floor Area | 1,512 sqft |
| Upper Floors Area | 578 sqft |
| Attic | Attic |
| Attic Area | 472 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 150 ft deep x 105 ft wide |
| Garage Type | Mixed |
| Garage Area | 462 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,190 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 150 sqft |
| Deck Area | 161 sqft |
| Patio Area | 161 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 41513 |
|---|---|
| Street Address | 1128 SETTER LN SE |
| City | CONCORD |
| State | NC |
| Zip | 28025-3921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-1 |
| Legal Description | LT 108 HUNTERS POINTE |
| Legal Subdivision | HUNTERS POINTE |
| Legal Lot Number | 108 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 11, CENTRAL CABARRUS |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 40502 |
1128 Setter Ln SE is owned and occupied by two individuals who bought it in May 2006.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1128 SETTER LN SE, CONCORD, NC 28025-3921 |
| 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.
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 15, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Feb 23, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Nov 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UWHARRIE BANK |
| May 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Oct 18, 2019 | Deed of Trust, Mortgage · Line of Credit UWHARRIE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2006 · Amount on File |
| Deed Sale | May 5, 2006 · Amount on File |
| Prior Sale | Dec 19, 1997 · Amount on File |
| Deed Book / Page | 6717 / 203 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Apr 15, 2026 |
| Property Address | 1128 SETTER LN SE, CONCORD, NC 28025-3921 |
| Document Number | 0017940185 |
| Book / Page | 17940 / 185 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 20268547 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 1128 SETTER LN SE, CONCORD, NC 28025-3921 |
| Investor | Possibly a Property Investor |
| Document Number | 0000008547, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 17940/185 |
| Instrument | 20268547 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 28, 2036 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Apr 15, 2026 |
| Property Address | 1128 SETTER LN SE, CONCORD, NC 28025-3921 |
| Document Number | 0017940185 |
| Book / Page | 17940 / 185 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 20268547 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1128 SETTER LN SE, CONCORD, NC 28025-3921 |
| Investor | Possibly a Property Investor |
| Document Number | 0000008547, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 17940/185 |
| Instrument | 20268547 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 28, 2036 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1128 SETTER LN SE, CONCORD, NC 28025-3921 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0016381292 |
|---|---|
| Date | Feb 23, 2023 |
| Book Page | 16381/292 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 16, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1128 SETTER LN SE, CONCORD, NC 28025-3921 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1562089 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 15620/89 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | ALBEMARLE, NC 28001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1128 SETTER LN SE, CONCORD, NC 28025-3921 |
| Document Number | 14186271 |
| Instrument Date | May 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1128 SETTER LN SE CONCORD NC 280253921, CONCORD, NC 28025-3921 |
| Document Number | 14186271 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 014186/000271 |
| Instrument | 14873 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 18, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1128 SETTER LN SE, CONCORD, NC 28025-3921 |
| Document Number | 1379427 |
| Instrument Date | Oct 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1128 SETTER LN SE CONCORD NC 280253921, CONCORD, NC 28025-3921 |
| Document Number | 1379427 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 013794/000027 |
| Instrument | 28939 |
| Name | UWHARRIE BK |
|---|---|
| Type | Bank |
| Address | CONCORD, NC 28025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 20, 2034 |
| Rate Type | Adjustable Rate |
|---|
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $399,070 (-) Land $94,000 Building $305,070 | ||
| 2025 | $399,070 Land $94,000 Building $305,070 | ||
| 2024 | $399,070 (+60.11%) Land $94,000 Building $305,070 | ||
| 2023 | $3,041.00 | $249,250 Land $51,000 Building $198,250 | $249,250 Land $51,000 Building $198,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1128 Setter Ln SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective July 1, 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1128 Setter Ln SE is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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