1940 Ben Black Rd, Midland, NC 28107 Property Records

Cabarrus County property record for 1940 Ben Black Rd, Midland, NC 28107

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,436 sqft · built 2006
Lot Size	6.71 acres (292,288 sqft)
Owner	Individual Name on File
Last Sale	$635,000 (Jul 2020)
Tax Bill	$4,815 (2023)
Deeds & Mortgages	Jul 2018 Line of Credit Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5533 97 4474`

Property Details

APN / Parcel Number

Primary APN	`5533 97 4474`
Alternative APNs	`10025 0023.600000` `5533 97 6474` `138738`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,436 sqft Living Area
Gross Area	4,174 sqft
1st Floor Area	2,050 sqft
Upper Floors Area	1,386 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	292,288 sqft (6.71 acres)
Lot Dimensions	424 ft deep x 915 ft wide
Garage Type	Mixed
Garage Area	738 sqft
Driveway	Driveway
Driveway Area	960 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	448 sqft
Porch	Open Porch
Porch Area	347 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	138738
Street Address	1940 BEN BLACK RD
City	MIDLAND
State	NC
Zip	28107-7215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	LTS 3-5 ANNIE & CLINT BLACK ESTATE
Legal Subdivision	ANNIE & CLINT BLACK ESTATE PH
Legal Lot Number	3-5
Jurisdiction	CABARRUS NC
Township / Civil Division	10, MIDLAND
Census Block Group	2
Census Block	2073
Census Tract	41603

Owner

1940 Ben Black Rd is owned and occupied by an individual who bought it in July 2020.

Source: Cabarrus County records, as of July 17, 2023

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
Co-owner	Co-owner on File
Mailing Address	1940 BEN BLACK RD, MIDLAND, NC 28107-7215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 7, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
May 30, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on File
Deed Sale	Jul 7, 2020 · Amount on File
Prior Sale	Aug 14, 2006 · Amount on File
Deed Document Number	0014309140
Deed Book / Page	13019 / 0268
Prior Transfer Date	May 30, 2018
Prior Transfer Doc	0130190268
Record Updated	Jun 7, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1940 BEN BLACK RD, MIDLAND, NC 28107-7215
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013114144
Date	Jul 31, 2018
Book Page	13114/0144

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	HARRISBURG, NC 28075

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jul 7, 2020
Property Address	1940 BEN BLACK RD, MIDLAND, NC 28107-7215
Document Number	14309140
Book / Page	014309 / 000140
Instrument Date	Jul 7, 2020
Instrument	21230
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,270.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1940 BEN BLACK RD MIDLAND NC 281077215, MIDLAND, NC 28107-7215

Mortgage

Document Number	14309142
Date	Jul 7, 2020
Book Page	014309/000142
Instrument	21231

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 30, 2018
Property Address	1940 BEN BLACK RD, MIDLAND, NC 28107-7215
Document Number	0013019268
Book / Page	13019 / 0268
Map Reference	MB46 PG31
Instrument Date	May 30, 2018
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4406 COVENTRY ROW CT, 4406, CHARLOTTE, NC 28270-1135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1940 BEN BLACK RD, MIDLAND, NC 28107-7215

Mortgage

Document Number	0013019270
Date	May 30, 2018
Instrument	13019/270

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	Annually
Min Rate At Change	6%
Index	5-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of January 1, 2023

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
2023	$4,815.00	$573,180 Land $172,040 Building $401,140	$573,180 Land $172,040 Building $401,140

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1940 Ben Black Rd 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	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

Wildfire risk around 1940 Ben Black Rd 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	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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