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264 Union St S, Concord, NC 28025 Property Records

Cabarrus County property record for 264 Union St S, Concord, NC 28025

Property Summary

Property TypeHistorical Building
Details4 bd · 2 ba · 3,457 sqft · built 1939
Lot Size0.398 acres (17,300 sqft)
Owner2 Individual Names on File
Last Sale$256,000 (Mar 2019)
Tax Bill$3,677 (2023)
Deeds & MortgagesMar 2022 Line of Credit
Oct 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN5630 05 7524

Property Details

APN / Parcel Number

Primary APN5630 05 7524
Alternative APNs
  • 12036 0140.000000
  • 129411

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area3,457 sqft Total Area
1st Floor Area1,702 sqft
Upper Floors Area764 sqft
Basement Area560 sqft
Unfinished Basement560 sqft
FlooringHardwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1939
Effective Year BuiltEffective 1990
Exterior MaterialBrick Veneer
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area17,300 sqft (0.398 acres)
Lot Dimensions173 ft deep x 100 ft wide
Garage Area600 sqft
DrivewayConcrete Driveway
Driveway Area2,300 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area431 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number129411
Street Address264 UNION ST S
CityCONCORD
StateNC
Zip28025-5016
Property CategoryResidential
Property TypeResidential > Specialized > Historical Building
Local Zoning CodeRV
Legal DescriptionWEST SIDE UNION ST S
Legal SubdivisionSOUTH HISTORIC CONCORD
JurisdictionCABARRUS NC
Township / Civil Division12, CONCORD
Census Block Group1
Census Block1020
Census Tract42202

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the South Union Street Historic District
listed 1986 · 69 contributing resources · NRIS 86000736

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

264 Union St S, a historical building, is owned by two individuals who bought it in March 2019.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record2 Individual Names on File
Mailing Address264 UNION ST S, CONCORD, NC 28025-5016
Owner TypeIndividual
VestingHusband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Mar 21, 2022Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Oct 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN INTERNET MTG
Mar 28, 2019Warranty Deed, Transfer · Conventional with PMI
ON Q FIN'L

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 28, 2019 · Amount on File
Deed SaleMar 28, 2019 · Amount on File
Prior SaleMay 29, 1996 · Amount on File
Deed Book / Page13435 / 73
Record UpdatedOct 29, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCABARRUS NC
Property Address264 UNION ST S, CONCORD, NC 28025-5016
Transaction TypeMortgage
Record UpdatedApr 21, 2022
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001591886
DateMar 21, 2022
Book Page15918/86
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount on Record
Term359 Months
DueFeb 15, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCABARRUS NC
Property Address264 UNION ST S, CONCORD, NC 28025-5016
Document Number14602170
Instrument DateOct 16, 2020
Transaction TypeMortgage
Record UpdatedOct 27, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address264 UNION ST S CONCORD NC 280255016, CONCORD, NC 28025-5016

Mortgage

Document Number14602170
DateOct 21, 2020
Book Page014602/000170
Instrument36776
Lender
NameAMERICAN INTERNET MTG
TypeMortgage Company
AddressSAN DIEGO, CA 92108
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 20, 2050

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCABARRUS NC
Recording DateMar 28, 2019
Property Address264 UNION ST S, CONCORD, NC 28025-5016
Document Number1343573
Book / Page013435 / 000073
Instrument DateMar 28, 2019
Instrument7247
Transaction TypeTransfer
Record UpdatedApr 3, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$512.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address264 UNION ST S CONCORD NC 280255016, CONCORD, NC 28025-5016

Mortgage

Document Number1343579
DateMar 28, 2019
Book Page013435/000079
Instrument7248
Lender
NameON Q FIN'L
TypeFunding / Finance Company
AddressTEMPE, AZ 85281
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueMar 27, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCabarrus County
MunicipalityConcord City
Unified School DistrictCabarrus County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$466,520 Land $117,700 Building $348,820
2024$466,520 (+54.8%) Land $117,700 Building $348,820
2023$3,677.00 Additional exemption filed$301,360 Land $60,500 Building $240,860$301,360 Land $60,500 Building $240,860

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

Flood

FEMA maps place 264 Union St S in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 1, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 264 Union St S is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 SystemCITY OF CONCORD
serves 120,771 people · EPA ID NC0113010
Water SourceSurface water
Last State InspectionAug 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
resolved · Apr 2017
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 298 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Google Fiber
Fiber		8,000 / 8,000
Windstream
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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