Cabarrus County property record for 1216 Rustic Ln NW, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,820 sqft · built 1987 |
| Lot Size | 1.25 acres (54,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,450 (2023) |
| Deeds & Mortgages | Oct 2025 Mortgage Mar 2024 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5601 76 9278 |
| Primary APN | 5601 76 9278 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,820 sqft Living Area |
| Gross Area | 3,192 sqft |
| 1st Floor Area | 1,100 sqft |
| Upper Floors Area | 720 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 54,800 sqft (1.25 acres) |
| Lot Dimensions | 274 ft deep x 200 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,404 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 512 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 444 sqft |
| Patio Area | 604 sqft |
| Storage Building | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 588650 |
|---|---|
| Street Address | 1216 RUSTIC LN NW |
| City | CONCORD |
| State | NC |
| Zip | 28027-7680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | LTS 32-33 SIDES REALTY BLK B |
| Legal Subdivision | YMCA |
| Legal Block | B |
| Legal Lot Number | 32-33 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 4, KANNAPOLIS |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 42501 |
1216 Rustic Ln NW is owned and occupied by two individuals.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1216 RUSTIC LN NW, CONCORD, NC 28027-7680 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 6, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Mar 25, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Nov 6, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Dec 30, 2016 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1216 RUSTIC LN NW, CONCORD, NC 28027-7680 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Title Company | IDEAL TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1216 RUSTIC LN NW, CONCORD, NC 28027-7680 |
| Document Number | 0017651297 |
|---|---|
| Date | Oct 6, 2025 |
| Book Page | 17651/297 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1216 RUSTIC LN NW, CONCORD, NC 28027-7680 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0016861268 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | 16861/268 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 21, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1216 RUSTIC LN NW, CONCORD, NC 28027-7680 |
| Document Number | 12758266 |
| Book / Page | 012758 / 000266 |
| Instrument Date | Nov 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1216 RUSTIC LN NW CONCORD NC 280277680, CONCORD, NC 28027-7680 |
| Document Number | 12758266 |
|---|---|
| Date | Nov 9, 2017 |
| Book Page | 012758/000266 |
| Instrument | 29266 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 8, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1216 RUSTIC LN NW, CONCORD, NC 28027-7680 |
| Document Number | 1231395 |
| Book / Page | 012313 / 000095 |
| Instrument Date | Dec 30, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2017 |
| Title Company | LENDERLIVE SETTLEMENT |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1216 RUSTIC LN NW CONCORD NC 280277680, CONCORD, NC 28027-7680 |
| Document Number | 1231395 |
|---|---|
| Date | Jan 10, 2017 |
| Book Page | 012313/000095 |
| Instrument | 703 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 9, 2027 |
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 | $332,660 Land $90,000 Building $242,660 | ||
| 2024 | $332,660 (+51.21%) Land $90,000 Building $242,660 | ||
| 2023 | $2,450.00 | $220,000 Land $50,400 Building $169,600 | $220,000 Land $50,400 Building $169,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1216 Rustic Ln 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 | 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 risk around 1216 Rustic Ln NW is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 262 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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