290 Union St S, Concord, NC 28025 Property Records

Cabarrus County property record for 290 Union St S, Concord, NC 28025

Property Summary

Property Type	Historical Building
Details	4 bd · 1.5 ba · 5,762 sqft · built 1890
Lot Size	0.243 acres (10,560 sqft)
Owner	2 Individual Names on File
Last Sale	$875,000 (Jun 2025)
Tax Bill	$3,913 (2023)
Deeds & Mortgages	Sep 2021 Line of Credit Jun 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5630 05 8384`

Property Details

APN / Parcel Number

Primary APN	`5630 05 8384`
Alternative APNs	`12039 0076.400000` `121022` `147234` `178608`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	5,762 sqft Total Area
1st Floor Area	1,877 sqft
Upper Floors Area	600 sqft
Basement Area	1,875 sqft
Finished Basement	1,417 sqft
Unfinished Basement	458 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2005
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,560 sqft (0.243 acres)
Lot Dimensions	132 ft deep x 80 ft wide
Driveway	Asphalt Driveway
Driveway Area	1,064 sqft
Porch	Slab
Porch Area	918 sqft
Patio Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	178608
Street Address	290 UNION ST S
City	CONCORD
State	NC
Zip	28025-5016
Property Category	Residential
Property Type	Residential > Specialized > Historical Building
Local Zoning Code	RV
Legal Description	WEST SIDE UNION ST S
Legal Subdivision	SOUTH HISTORIC CONCORD
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	1
Census Block	1020
Census Tract	42202

Historic Designation

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

Historic District	Within 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

290 Union St S, a historical building, is owned by two individuals who bought it in June 2025.

Source: Cabarrus County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	290 UNION ST S, CONCORD, NC 28025-5016
Owner Type	Individual

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

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 11, 2025	Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BANK
Jun 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Feb 15, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SEC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2025 · Amount on File
Deed Sale	Jun 11, 2025 · Amount on File
Deed Document Number	202512752
Deed Book / Page	17475 / 25
Prior Transfer Date	Jun 21, 2021
Prior Transfer Doc	0001527465
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	290 UNION ST S, CONCORD, NC 28025-5016
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 UNION ST S, CONCORD, NC 28025-5016

Mortgage

Document Number	0001546493
Date	Sep 2, 2021
Book Page	15464/93

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 11, 2025
Property Address	290 UNION ST S, CONCORD, NC 28025-5016
Document Number	0001747525
Book / Page	17475 / 25
Instrument Date	Jun 11, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	TROJAN TITLE AGENCY, TRYON TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 WINFIELD BLVD SE, CONCORD, NC 28025-3709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 UNION ST S, CONCORD, NC 28025-5016

Mortgage

Document Number	0001747528
Date	Jun 11, 2025
Instrument	17475/28

Lender

Name	UWHARRIE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	Jun 23, 2021
Property Address	290 UNION ST S, CONCORD, NC 28025-5016
Document Number	0001527465
Book / Page	15274 / 65
Instrument Date	Jun 21, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2615 PEPPERBUSH DR, 2615, SOUTHPORT, NC 28461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 UNION ST S, CONCORD, NC 28025-5016

Mortgage

Document Number	0001527468
Date	Jun 23, 2021
Instrument	15274/68

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2041

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Feb 15, 2018
Property Address	290 UNION ST S, CONCORD, NC 28025-5016
Document Number	1288180
Book / Page	012881 / 000080
Instrument Date	Feb 12, 2018
Instrument	3583
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	MASTER TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	290 UNION ST S CONCORD NC 280255016, CONCORD, NC 28025-5016

Mortgage

Document Number	1288185
Date	Feb 15, 2018
Book Page	012881/000085
Instrument	3585

Lender

Name	AMERICAN SEC MTG
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Concord City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$585,200 (+19.96%) Land $74,900 Building $510,300
2025		$487,840 Land $74,900 Building $412,940
2024			$585,200 (+82.45%) Land $74,900 Building $510,300
2023	$3,913.00 Additional exemption filed	$320,750 Land $38,500 Building $282,250	$320,750 Land $38,500 Building $282,250

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 290 Union St S in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 290 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 Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.02% 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 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Google Fiber.

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