1285 Reflection Ave NW, Concord, NC 28027 Property Records

Cabarrus County property record for 1285 Reflection Ave NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,696 sqft · built 2015
Lot Size	0.205 acres (8,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$336,500 (Jun 2015)
Tax Bill	$4,810 (2023)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03016F0175.000000`

Property Details

APN / Parcel Number

Primary APN	`03016F0175.000000`
Alternative APNs	`4671 85 1014` `102087`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,696 sqft Living Area
Gross Area	4,829 sqft
1st Floor Area	1,693 sqft
Upper Floors Area	2,003 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Other
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	8,930 sqft (0.205 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	786 sqft
Driveway	Concrete Driveway
Driveway Area	1,026 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	99 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	102087
Street Address	1285 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 175 BROOKVUE
Legal Subdivision	BROOKVUE
Legal Lot Number	175
Jurisdiction	CABARRUS NC
Township / Civil Division	3, ODELL
Census Block Group	1
Census Block	1016
Census Tract	41304

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	1285 REFLECTION AVE NW, CONCORD, NC 28027-2867
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERSTATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2015 · Amount on Record
Deed Sale	Jun 29, 2015 · Amount on Record
Deed Book / Page	11473 / 308
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1285 REFLECTION AVE NW, CONCORD, NC 28027-2867
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15470242
Date	Sep 7, 2021
Book Page	15470/242

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1285 REFLECTION AVE NW, CONCORD, NC 28027-2867
Transaction Type	Mortgage
Record Updated	Feb 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1486061
Date	Jan 26, 2021
Book Page	14860/61

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1285 REFLECTION AVE NW, CONCORD, NC 28027-2867
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14245232
Date	Jun 12, 2020
Book Page	14245/232

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

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		$661,210 (+64.93%) Land $125,000 Building $536,210
2024			$661,210 (+64.93%) Land $125,000 Building $536,210
2023	$4,810.00	$400,910 Land $67,000 Building $333,910	$400,910 Land $67,000 Building $333,910

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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