Cabarrus County property record for 1320 Emory Ln NW, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,668 sqft · built 2004 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $459,000 (Dec 2023) |
| Tax Bill | $3,495 (2023) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03016A0133.000000 |
| Primary APN | 03016A0133.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,668 sqft Living Area |
| Gross Area | 3,482 sqft |
| 1st Floor Area | 1,254 sqft |
| Upper Floors Area | 1,414 sqft |
| Flooring | Carpet |
| 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 | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 100 ft deep x 58 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 | 77 sqft |
| Deck Area | 338 sqft |
| Patio Area | 110 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 167741 |
|---|---|
| Street Address | 1320 EMORY LN NW |
| City | CONCORD |
| State | NC |
| Zip | 28027-3512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-2-CU |
| Legal Description | LT 133 WILLOW GLEN AT MOSS CREEK |
| Legal Subdivision | MOSS CREEK AREA 1 |
| Legal Lot Number | 133 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 3, ODELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 41304 |
1320 Emory Ln NW is owned and occupied by an individual who bought it in December 2023.
Source: Cabarrus County records, as of August 27, 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 | Individual Name on File |
|---|---|
| Mailing Address | 1320 EMORY LN NW, CONCORD, NC 28027-3512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2023 | Warranty Deed, Transfer · FHA Mortgage BETTER MORTGAGE CORPORATION |
| Nov 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC |
| Mar 15, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2023 · Amount on File |
| Deed Sale | Dec 29, 2023 · Amount on File |
| Prior Sale | Oct 29, 2004 · Amount on File |
| Deed Document Number | 202326387 |
| Deed Book / Page | 16767 / 151 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Dec 29, 2023 |
| Property Address | 1320 EMORY LN NW, CONCORD, NC 28027-3512 |
| Document Number | 0016767151 |
| Book / Page | 16767 / 151 |
| Map Reference | MB 43 PG 109 |
| Instrument Date | Dec 27, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $918.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 CENTRAL AVE APT 25, 25, HARRISON, NJ 07029-1221 |
| Name | Verified Name |
|---|---|
| Address | 1320 EMORY LN NW, CONCORD, NC 28027-3512 |
| Document Number | 0167670154 |
|---|---|
| Date | Dec 29, 2023 |
| Instrument | 16767-0154 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1320 EMORY LN NW, CONCORD, NC 28027-3512 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001565147 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 15651/47 |
| Name | PMAC LENDING SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 6.12% |
| Index | 1-Year LIBOR |
| Max Rate | 10.1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 1320 EMORY LN NW, CONCORD, NC 28027-3512 |
| Document Number | 1244864 |
| Instrument Date | Mar 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1320 EMORY LN NW CONCORD NC 280273512, CONCORD, NC 28027-3512 |
| Document Number | 1244864 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 012448/000064 |
| Instrument | 9579 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 17, 2057 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.87% |
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 | $456,150 Land $84,000 Building $372,150 | ||
| 2024 | $456,150 (+56.3%) Land $84,000 Building $372,150 | ||
| 2023 | $3,495.00 | $291,850 Land $52,000 Building $239,850 | $291,850 Land $52,000 Building $239,850 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1320 Emory Ln NW in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 1320 Emory Ln NW is low, with a 0.01% annual chance of 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 | 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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