1244 Reflection Ave NW, Concord, NC 28027 Property Records

Cabarrus County property record for 1244 Reflection Ave NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,944 sqft · built 2014
Lot Size	0.203 acres (8,843 sqft)
Owner	2 Individual Names on Record
Last Sale	$286,000 (Dec 2014)
Tax Bill	$4,052 (2023)
Deeds & Mortgages	Oct 2022 Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03016F0199.000000`

Property Details

APN / Parcel Number

Primary APN	`03016F0199.000000`
Alternative APNs	`4671 74 6567` `98208`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,944 sqft Living Area
Gross Area	3,469 sqft
1st Floor Area	1,423 sqft
Upper Floors Area	1,521 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Other
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	8,843 sqft (0.203 acres)
Lot Dimensions	147 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	483 sqft
Driveway	Concrete Driveway
Driveway Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	42 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	98208
Street Address	1244 REFLECTION AVE NW
City	CONCORD
State	NC
Zip	28027-2867
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2-CU
Legal Description	LT 199 BROOKVUE
Legal Subdivision	BROOKVUE
Legal Lot Number	199
Jurisdiction	CABARRUS NC
Township / Civil Division	3, ODELL
Census Block Group	1
Census Block	1025
Census Tract	41304

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1244 REFLECTION AVE NW, CONCORD, NC 28027-2867
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 24, 2022	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
May 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Jun 14, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2014 · Amount on Record
Deed Sale	Dec 5, 2014 · Amount on Record
Deed Book / Page	11211 / 196
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1244 REFLECTION AVE NW, CONCORD, NC 28027-2867
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016246330
Date	Oct 18, 2022
Book Page	16246/330

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2042

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1244 REFLECTION AVE NW, CONCORD, NC 28027-2867
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016172280
Date	Aug 24, 2022
Book Page	16172/280

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 18, 2032

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1244 REFLECTION AVE NW, CONCORD, NC 28027-2867
Transaction Type	Mortgage
Record Updated	Jun 8, 2022
Title Company	PROGRESSIVE LAND TITLE AGENCY LI, PROGRESSIVE LAND TTL AGCY LT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016040201
Date	May 25, 2022
Book Page	16040/201

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1244 REFLECTION AVE NW, CONCORD, NC 28027-2867
Transaction Type	Mortgage
Record Updated	Jul 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15248147
Date	Jun 14, 2021
Book Page	15248/147

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2046

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1244 REFLECTION AVE NW, CONCORD, NC 28027-2867
Document Number	14264304
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1244 REFLECTION AVE NW CONCORD NC 280272867, CONCORD, NC 28027-2867

Mortgage

Document Number	14264304
Date	Jun 22, 2020
Book Page	014264/000304
Instrument	19053

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 21, 2045

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		$545,830 (+64.34%) Land $125,000 Building $420,830
2024			$545,830 (+64.34%) Land $125,000 Building $420,830
2023	$4,052.00	$332,140 Land $67,000 Building $265,140	$332,140 Land $67,000 Building $265,140

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	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

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.

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