1239 Emerald Dr, Concord, NC 28025 Property Records

Cabarrus County property record for 1239 Emerald Dr, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,788 sqft · built 2014
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$38,000 (Nov 2009)
Tax Bill	$2,373 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5651 06 5068`

Property Details

APN / Parcel Number

Primary APN	`5651 06 5068`
Alternative APNs	`06014 0028.000000` `64776`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,788 sqft Living Area
Gross Area	3,464 sqft
1st Floor Area	1,788 sqft
Basement Area	756 sqft
Finished Basement	756 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Other
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	56,628 sqft (1.3 acres)
Lot Width	202 ft Width
Garage Type	Mixed
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	1,176 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	64776
Street Address	1239 EMERALD DR
City	CONCORD
State	NC
Zip	28025-7903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AO
Legal Description	LT 10 IRISH WOODS
Legal Subdivision	IRISH WOODS
Legal Lot Number	10
Jurisdiction	CABARRUS NC
Township / Civil Division	6, RIMERTOWN
Census Block Group	2
Census Block	2026
Census Tract	40600

Owner

Source: Cabarrus County records, as of October 9, 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	1239 EMERALD DR, CONCORD, NC 28025-7903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Nov 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2009 · Amount on Record
Deed Sale	Nov 19, 2009 · Amount on Record
Prior Sale	Apr 25, 1990 · Amount on Record
Deed Book / Page	8968 / 68
Prior Transfer Date	Apr 15, 2002
Prior Transfer Doc	3766000001
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1239 EMERALD DR, CONCORD, NC 28025-7903
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15487116
Date	Sep 13, 2021
Book Page	15487/116

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1239 EMERALD DR, CONCORD, NC 28025-7903
Document Number	1385867
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1239 EMERALD DR CONCORD NC 280257903, CONCORD, NC 28025-7903

Mortgage

Document Number	1385867
Date	Nov 25, 2019
Book Page	013858/000067
Instrument	32761

Lender

Name	TOWNE MTG
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

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		$510,170 (+76.32%) Land $60,600 Building $449,570
2024			$510,170 (+76.32%) Land $60,600 Building $449,570
2023	$2,373.00	$289,340 Land $35,650 Building $253,690	$289,340 Land $35,650 Building $253,690

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	1 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 63% of the US · above 51% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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