12820 Cathy Ct, Midland, NC 28107 Property Records

Cabarrus County property record for 12820 Cathy Ct, Midland, NC 28107

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,527 sqft · built 2019
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on File
Last Sale	$299,000 (May 2020)
Tax Bill	$3,245 (2023)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10017B0010.000000`

Property Details

APN / Parcel Number

Primary APN	`10017B0010.000000`
Alternative APNs	`5564 17 8936` `86832`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,527 sqft Living Area
Gross Area	2,961 sqft
1st Floor Area	1,306 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Lot Width	40 ft Width
Garage Type	Mixed
Garage Area	434 sqft
Driveway	Driveway
Driveway Area	1,300 sqft

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	520 sqft
Fence	Fence
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	86832
Street Address	12820 CATHY CT
City	MIDLAND
State	NC
Zip	28107-9800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Legal Description	LT R-10 BLUFFTON PARK
Legal Subdivision	BLUFFTON PARK
Legal Lot Number	R
Jurisdiction	CABARRUS NC
Township / Civil Division	10, MIDLAND
Census Block Group	1
Census Block	1048
Census Tract	41603

Owner

Source: Cabarrus County records · APN 10017B0010.000000

Assessment roll updated January 1, 2023 · Last verified May 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	12820 CATHY CT, MIDLAND, NC 28107-9800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Jul 20, 2020	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 21, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Oct 18, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Deed Document Number	0001419643
Deed Book / Page	14196 / 43
Record Updated	Jun 07, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	12820 CATHY CT, MIDLAND, NC 28107-9800
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016171245
Date	Aug 23, 2022
Book Page	16171/245

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	12820 CATHY CT, MIDLAND, NC 28107-9800
Transaction Type	Mortgage
Record Updated	May 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014340113
Date	Jul 20, 2020
Book Page	14340/113

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	12820 CATHY CT, MIDLAND, NC 28107-9800
Transaction Type	Mortgage
Record Updated	May 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015087328
Date	Apr 14, 2021
Book Page	15087/328

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

May 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 21, 2020
Property Address	12820 CATHY CT, MIDLAND, NC 28107-9800
Document Number	0001419643
Book / Page	14196 / 43
Map Reference	MB 73 PG 88
Instrument Date	May 20, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	May 03, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$598.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4389 INDIAN TRAIL FAIRVIEW RD, 4389, INDIAN TRAIL, NC 28079-9639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12820 CATHY CT, MIDLAND, NC 28107-9800

Mortgage

Document Number	0001419646
Date	May 21, 2020
Instrument	14196/46

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Oct 18, 2019
Property Address	12820 CATHY CT, MIDLAND, NC 28107-9800
Document Number	13789217
Book / Page	013789 / 000217
Instrument Date	Oct 16, 2019
Instrument	28679
Transaction Type	Transfer
Record Updated	Oct 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$240.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4389 INDIAN TRAIL FAIRVIEW RD INDIAN TRAIL NC 280799639, INDIAN TRAIL, NC 28079-9639
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Cabarrus County records · Assessment roll updated January 1, 2023 · Last verified May 2024

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Locust City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,245.00	$337,980 Land $40,000 Building $297,980	$337,980 Land $40,000 Building $297,980

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 1, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 9 locations within half a mile of this property.

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