2003 Monterosa Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 2003 Monterosa Rd, Concord, NC 28025

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 2,314 sqft · built 1981
Lot Size	10.1 acres (442,134 sqft)
Owner	2 Individual Names on Record
Last Sale	$505,000 (Mar 2017)
Tax Bill	$4,746 (2023)
Deeds & Mortgages	May 2023 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5515 98 9277`

Property Details

APN / Parcel Number

Primary APN	`5515 98 9277`
Alternative APNs	`01029 0040.000000` `55159882040000` `21658`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,314 sqft Living Area
Gross Area	6,980 sqft
1st Floor Area	2,314 sqft
Office	960 sqft
Sunroom	Sunroom
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2001
Architectural Style	Rustic
Exterior Material	Wood Shingle
Roof Type	Gable
Roof Material	Metal
Lot Area	442,134 sqft (10.1 acres)
Lot Dimensions	656 ft deep x 413 ft wide
Garage Type	Mixed
Garage Area	2,506 sqft
Driveway	Asphalt Driveway
Driveway Area	3,200 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	256 sqft
Deck Area	560 sqft
Patio Area	496 sqft
Shed	1 Shed
Shed Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	21658
Street Address	2003 MONTEROSA RD
City	CONCORD
State	NC
Zip	28025-9182
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CR
Legal Description	LTS 10-12 MONTEROSA
Legal Subdivision	MONTEROSA
Legal Lot Number	10-12
Jurisdiction	CABARRUS NC
Township / Civil Division	1, HARRISBURG
Census Block Group	1
Census Block	1020
Census Tract	41507

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	2 Individual Names on Record
Mailing Address	2003 MONTEROSA RD, CONCORD, NC 28025-9182
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 15, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Mar 30, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2017 · Amount on Record
Deed Sale	Mar 30, 2017 · Amount on Record
Prior Sale	Aug 1, 1981 · Amount on Record
Deed Document Number	201712420-0298
Deed Book / Page	12420 / 298
Prior Transfer Date	Apr 10, 2005
Prior Transfer Doc	6666000037
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	2003 MONTEROSA RD, CONCORD, NC 28025-9182
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001648554
Date	May 15, 2023
Book Page	16485/54

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	2003 MONTEROSA RD, CONCORD, NC 28025-9182
Document Number	1434171
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2003 MONTEROSA RD CONCORD NC 280259182, CONCORD, NC 28025-9182

Mortgage

Document Number	1434171
Date	Jul 20, 2020
Book Page	014341/000071
Instrument	22873

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Mar 30, 2017
Property Address	2003 MONTEROSA RD, CONCORD, NC 28025-9182
Document Number	12420298
Book / Page	01242 / 000298
Instrument Date	Mar 30, 2017
Instrument	7769
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,010.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2003 MONTEROSA RD CONCORD NC 280259182, CONCORD, NC 28025-9182

Mortgage

Document Number	12420301
Date	Mar 30, 2017
Book Page	012420/000301
Instrument	7770

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2047

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		$974,330 (+82.72%) Land $323,510 Building $650,820
2024			$974,330 (+82.72%) Land $323,510 Building $650,820
2023	$4,746.00	$533,240 Land $201,340 Building $331,900	$533,240 Land $201,340 Building $331,900

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	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 62% of the US · above 52% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
Windstream DSL	25 / 3

May also be available: Spectrum, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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