Cabarrus County property record for 1292 Emory Ln NW, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,182 sqft · built 2004 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $162,322 (Apr 2011) |
| Tax Bill | $2,969 (2023) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03016A0126.000000 |
| Primary APN | 03016A0126.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,182 sqft Living Area |
| Gross Area | 2,721 sqft |
| 1st Floor Area | 958 sqft |
| Upper Floors Area | 1,224 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 143 ft deep x 50 ft wide |
| Garage Type | Mixed |
| Garage Area | 399 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 550 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 20 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 101740 |
|---|---|
| Street Address | 1292 EMORY LN NW |
| City | CONCORD |
| State | NC |
| Zip | 28027-3525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-2-CU |
| Legal Description | LT 126 WILLOW GLEN AT MOSS CREEK |
| Legal Subdivision | MOSS CREEK AREA 1 |
| Legal Lot Number | 126 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 3, ODELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 41304 |
Source: Cabarrus County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1292 EMORY LN NW, CONCORD, NC 28027-3525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jul 7, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jan 20, 2018 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2011 · Amount on Record |
| Deed Sale | Apr 29, 2011 · Amount on Record |
| Prior Sale | Apr 27, 2007 · Amount on Record |
| Deed Book / Page | 9561 / 300 |
| Last Transfer Date | Feb 4, 2016 |
| Transfer Doc | 11789105 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1292 EMORY LN NW, CONCORD, NC 28027-3525 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1524022 |
|---|---|
| Date | Jun 9, 2021 |
| Book Page | 15240/22 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1292 EMORY LN NW, CONCORD, NC 28027-3525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1430838 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | 14308/38 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1292 EMORY LN NW, CONCORD, NC 28027-3525 |
| Document Number | 12853174 |
| Book / Page | 012853 / 000174 |
| Instrument Date | Jan 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1292 EMORY LN NW CONCORD NC 280273525, CONCORD, NC 28027-3525 |
| Document Number | 12853174 |
|---|---|
| Date | Jan 24, 2018 |
| Book Page | 012853/000174 |
| Instrument | 1705 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 23, 2048 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $376,270 (-) Land $84,000 Building $292,270 | ||
| 2025 | $376,270 (+54.6%) Land $84,000 Building $292,270 | ||
| 2024 | $376,270 (+54.6%) Land $84,000 Building $292,270 | ||
| 2023 | $2,969.00 | $243,390 Land $52,000 Building $191,390 | $243,390 Land $52,000 Building $191,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 115 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 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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