1850 Ben Black Rd, Midland, NC 28107 Property Records

Cabarrus County property record for 1850 Ben Black Rd, Midland, NC 28107

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,147 sqft · built 2007
Lot Size	4.02 acres (175,111 sqft)
Owner	2 Individual Names on Record
Last Sale	$37,000 (Jan 2006)
Tax Bill	$5,271 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5533 97 1261`

Property Details

APN / Parcel Number

Primary APN	`5533 97 1261`
Alternative APNs	`10028 0005.100000` `494500`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,147 sqft Living Area
Gross Area	4,276 sqft
1st Floor Area	1,905 sqft
Upper Floors Area	1,242 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	175,111 sqft (4.02 acres)
Lot Width	213 ft Width
Garage Type	Mixed
Garage Area	1,115 sqft
Driveway	Concrete Driveway
Driveway Area	1,486 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	408 sqft
Porch	Slab
Porch Area	108 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	494500
Street Address	1850 BEN BLACK RD
City	MIDLAND
State	NC
Zip	28107-7214
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CR
Legal Description	S/S BEN BLACK ROAD
Legal Subdivision	BETHEL ELEMENTARY SCHOOL
Jurisdiction	CABARRUS NC
Township / Civil Division	10, MIDLAND
Census Block Group	2
Census Block	2073
Census Tract	41603

Owner

Source: Cabarrus County records, as of July 22, 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	1850 BEN BLACK RD, MIDLAND, NC 28107-7214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Sep 7, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK NA
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MTG
Jun 9, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2006 · Amount on Record
Deed Sale	Jan 6, 2006 · Amount on Record
Deed Book / Page	6475 / 220
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Jul 14, 2026
Property Address	1850 BEN BLACK RD, MIDLAND, NC 28107-7214
Document Number	0000016662
Book / Page	18082 / 69
Instrument Date	Jun 29, 2026
Instrument	202616662
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 BEN BLACK RD, MIDLAND, NC 28107-7214

Mortgage

Document Number	0000016662,
Date	Jul 14, 2026
Book Page	18082/69
Instrument	202616662

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2056

Interest

Rate	6.53%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1850 BEN BLACK RD, MIDLAND, NC 28107-7214
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 BEN BLACK RD, MIDLAND, NC 28107-7214

Mortgage

Document Number	0016638152
Date	Sep 7, 2023
Book Page	16638/152

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 25, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1850 BEN BLACK RD, MIDLAND, NC 28107-7214
Transaction Type	Mortgage
Record Updated	Nov 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15666289
Date	Nov 18, 2021
Book Page	15666/289

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1850 BEN BLACK RD, MIDLAND, NC 28107-7214
Document Number	13833178
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 BEN BLACK RD MIDLAND NC 281077214, MIDLAND, NC 28107-7214

Mortgage

Document Number	13833178
Date	Nov 12, 2019
Book Page	013833/000178
Instrument	31320

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1850 BEN BLACK RD, MIDLAND, NC 28107-7214
Document Number	1255495
Instrument Date	Jun 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1850 BEN BLACK RD MIDLAND NC 281077214, MIDLAND, NC 28107-7214

Mortgage

Document Number	1255495
Date	Jun 27, 2017
Book Page	012554/000095
Instrument	16205

Lender

Name	FIFTH THIRD BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of September 23, 2025

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
2025	$5,271.00 (+21.06%)	$779,860 (+50.46%) Land $101,970 Building $677,890
2024			$779,860 (+50.46%) Land $101,970 Building $677,890
2023	$4,354.00	$518,310 Land $50,980 Building $467,330	$518,310 Land $50,980 Building $467,330

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	4 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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