1401 Whispering Pines Dr, Concord, NC 28025 Property Records

Cabarrus County property record for 1401 Whispering Pines Dr, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,262 sqft · built 1986
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$154,000 (Jan 2017)
Tax Bill	$1,322 (2023)
Deeds & Mortgages	Mar 2020 Mortgage Feb 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5640 93 5180`

Property Details

APN / Parcel Number

Primary APN	`5640 93 5180`
Alternative APNs	`11023 0082.000000` `175215` `96604`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,262 sqft Living Area
Gross Area	1,781 sqft
1st Floor Area	1,262 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	201 ft deep x 120 ft wide
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	1,025 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	262 sqft
Deck Area	114 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	175215
Street Address	1401 WHISPERING PINES DR
City	CONCORD
State	NC
Zip	28025-9187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LT 80 WHISPERING PINES BLK D
Legal Subdivision	WHISPERING PINES
Legal Block	D
Legal Lot Number	80
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	3
Census Block	3037
Census Tract	40502

Owner

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	1401 WHISPERING PINES DR, CONCORD, NC 28025-9187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 4, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 26, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2017 · Amount on Record
Deed Sale	Jan 26, 2017 · Amount on Record
Prior Sale	Jan 31, 2012 · Amount on Record
Deed Document Number	201712334-0339
Deed Book / Page	12334 / 339
Last Transfer Date	Feb 3, 2020
Transfer Doc	13984327
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1401 WHISPERING PINES DR, CONCORD, NC 28025-9187
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14051268
Date	Mar 11, 2020
Book Page	14051/268

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CABARRUS NC
Recording Date	Feb 4, 2020
Property Address	1401 WHISPERING PINES DR, CONCORD, NC 28025-9187
Document Number	13984327
Book / Page	013984 / 000327
Instrument Date	Feb 3, 2020
Instrument	3483
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 WHISPERING PINES DR CONCORD NC 280259187, CONCORD, NC 28025-9187

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 26, 2017
Property Address	1401 WHISPERING PINES DR, CONCORD, NC 28025-9187
Document Number	0012334339
Book / Page	12334 / 0339
Map Reference	MB15 PG21
Instrument Date	Jan 25, 2017
Instrument	12334-0339
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	959 POINTE ANDREWS DR, 959, CONCORD, NC 28025-8545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 WHISPERING PINES DR, CONCORD, NC 28025-9187

Mortgage

Document Number	0123340342
Date	Jan 26, 2017
Instrument	12334-0342

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jan 26, 2017
Change Frequency	Annually
Min Rate At Change	4.25%
Index	5-Year CMT
Margin	2
Max Rate	10.2%

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$307,880 (-) Land $75,000 Building $232,880
2025		$307,880 (+85.04%) Land $75,000 Building $232,880
2024			$307,880 (+85.04%) Land $75,000 Building $232,880
2023	$1,322.00	$166,390 Land $40,000 Building $126,390	$166,390 Land $40,000 Building $126,390

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	7 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Nov 2020 · river or lake flooding

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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.05% 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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