2475 Penninger Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 2475 Penninger Rd, Concord, NC 28025

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,366 sqft · built 1968
Lot Size	3.72 acres (162,043 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Oct 2018)
Tax Bill	$1,831 (2023)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5632 32 7345`

Property Details

APN / Parcel Number

Primary APN	`5632 32 7345`
Alternative APNs	`05018 0011.100000` `126457`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,366 sqft Living Area
Gross Area	4,098 sqft
1st Floor Area	1,366 sqft
Basement Area	2,732 sqft
Unfinished Basement	2,732 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1990
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	162,043 sqft (3.72 acres)
Lot Dimensions	781 ft deep x 198 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	540 sqft
Driveway	Driveway
Driveway Area	3,891 sqft
Porch	Open Porch
Porch Area	384 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	126457
Street Address	2475 PENNINGER RD
City	CONCORD
State	NC
Zip	28025-1577
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AO
Legal Description	WEST SIDE PENNINGER RD
Jurisdiction	CABARRUS NC
Township / Civil Division	5, NEW GILEAD
Census Block Group	4
Census Block	4044
Census Tract	40600

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	2475 PENNINGER RD, CONCORD, NC 28025-1577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit FOUNDERS FCU
Oct 10, 2018	Warranty Deed, Transfer · ARM FOUNDERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2018 · Amount on Record
Deed Sale	Oct 10, 2018 · Amount on Record
Prior Sale	Nov 18, 2014 · Amount on Record
Deed Document Number	0013222269
Deed Book / Page	13222 / 269
Record Updated	Jun 7, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	2475 PENNINGER RD, CONCORD, NC 28025-1577
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016263168
Date	Oct 31, 2022
Book Page	16263/168

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 5, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Oct 10, 2018
Property Address	2475 PENNINGER RD, CONCORD, NC 28025-1577
Document Number	0013222269
Book / Page	13222 / 0269
Instrument Date	Oct 10, 2018
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 DONNA DALE AVE SE, 82, CONCORD, NC 28025-3820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2475 PENNINGER RD, CONCORD, NC 28025-1577

Mortgage

Document Number	0013222272
Date	Oct 10, 2018
Instrument	13222/272

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Oct 5, 2025
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	10-Year TN
Max Rate	11.5%

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	$1,831.00	$223,350 Land $60,800 Building $162,550	$223,350 Land $60,800 Building $162,550

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
Nearby Flood Policies	1 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	Direct burnable vegetation

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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: T-Mobile.

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