1229 Reflection Ave NW, Concord, NC 28027 Property Records

Cabarrus County property record for 1229 Reflection Ave NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,574 sqft · built 2016
Lot Size	0.182 acres (7,928 sqft)
Owner	2 Individual Names on File
Last Sale	$354,000 (Aug 2016)
Tax Bill	$4,659 (2023)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03016F0161.000000`

Property Details

APN / Parcel Number

Primary APN	`03016F0161.000000`
Alternative APNs	`4671 74 3674` `110527`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,574 sqft Living Area
Gross Area	5,472 sqft
1st Floor Area	1,574 sqft
Upper Floors Area	2,000 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Other
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	846 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	372 sqft
Deck Area	240 sqft
Patio Area	846 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	110527
Street Address	1229 REFLECTION AVE NW
City	CONCORD
State	NC
Zip	28027-2867
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2-CD
Legal Description	LT 161 BROOKVUE
Legal Subdivision	BROOKVUE
Legal Lot Number	161
Jurisdiction	CABARRUS NC
Township / Civil Division	3, ODELL
Census Block Group	1
Census Block	1016
Census Tract	41304

Owner

1229 Reflection Ave NW is owned and occupied by two individuals who bought it in August 2016.

Source: Cabarrus County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1229 REFLECTION AVE NW, CONCORD, NC 28027-2867
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 25, 2020	Deed of Trust, Mortgage · Conventional with PMI DIRECT HM LNS
Mar 12, 2020	Deed of Trust, Mortgage · Conventional with PMI DIRECT HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2016 · Amount on File
Deed Sale	Aug 24, 2016 · Amount on File
Deed Document Number	201612086-0044
Deed Book / Page	12086 / 44
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1229 REFLECTION AVE NW, CONCORD, NC 28027-2867
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14883307
Date	Feb 3, 2021
Book Page	14883/307

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1229 REFLECTION AVE NW, CONCORD, NC 28027-2867
Document Number	1427933
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1229 REFLECTION AVE NW CONCORD NC 280272867, CONCORD, NC 28027-2867

Mortgage

Document Number	1427933
Date	Jun 25, 2020
Book Page	014279/000033
Instrument	19740

Lender

Name	DIRECT HM LNS
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28203

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Jun 24, 2040

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1229 REFLECTION AVE NW, CONCORD, NC 28027-2867
Document Number	14062155
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1229 REFLECTION AVE NW CONCORD NC 280272867, CONCORD, NC 28027-2867

Mortgage

Document Number	14062155
Date	Mar 17, 2020
Book Page	014062/000155
Instrument	8125

Lender

Name	DIRECT HM LNS
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28203

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Mar 16, 2040

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		$642,210 Land $125,000 Building $517,210
2024			$642,210 (+65.14%) Land $125,000 Building $517,210
2023	$4,659.00	$388,880 Land $67,000 Building $321,880	$388,880 Land $67,000 Building $321,880

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

Flood

FEMA maps place 1229 Reflection Ave 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	6 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 1229 Reflection Ave NW is low, with a 0.01% annual chance of 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	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.

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

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Windstream.

Nearby Properties on Reflection Ave NW

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures