2995 Clover Rd NW, Concord, NC 28027 Property Records

Cabarrus County property record for 2995 Clover Rd NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,984 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$268,000 (Jan 2019)
Tax Bill	$3,551 (2023)
Deeds & Mortgages	Jun 2026 Line of Credit Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`02045L0048.000000`

Property Details

APN / Parcel Number

Primary APN	`02045L0048.000000`
Alternative APNs	`4599 75 9111` `128043`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,984 sqft Living Area
Gross Area	3,584 sqft
1st Floor Area	1,288 sqft
Upper Floors Area	1,696 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	140 ft deep x 48 ft wide
Garage Type	Mixed
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	756 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	128043
Street Address	2995 CLOVER RD NW
City	CONCORD
State	NC
Zip	28027-2605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LT 48 THE POINTE AT RIVERWALK
Legal Subdivision	RIVERWALK
Legal Lot Number	48
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	2
Census Block	2007
Census Tract	42602

Owner

2995 Clover Rd NW is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2995 CLOVER RD NW, CONCORD, NC 28027-2605
Occupancy	Owner Occupied
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
Jun 24, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
May 11, 2020	Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAP
Jan 17, 2019	Warranty Deed, Transfer · FHA Mortgage NAVY FCU
Dec 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 20, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2019 · Amount on File
Deed Sale	Jan 17, 2019 · Amount on File
Prior Sale	Apr 20, 2018 · Amount on File
Deed Book / Page	13341 / 75
Prior Transfer Date	Nov 28, 2018
Prior Transfer Doc	133091
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Jun 24, 2026
Property Address	2995 CLOVER RD NW, CONCORD, NC 28027-2605
Document Number	0000014925
Book / Page	18052 / 148
Instrument Date	Jun 18, 2026
Instrument	202614925
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2995 CLOVER RD NW, CONCORD, NC 28027-2605

Mortgage

Document Number	0000014925,
Date	Jun 24, 2026
Book Page	18052/148
Instrument	202614925

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 18, 2041

Interest

Rate	5.85%
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	2995 CLOVER RD NW, CONCORD, NC 28027-2605
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015802231
Date	Jan 24, 2022
Book Page	15802/231

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	2995 CLOVER RD NW, CONCORD, NC 28027-2605
Document Number	1417646
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2995 CLOVER RD NW CONCORD NC 280272605, CONCORD, NC 28027-2605

Mortgage

Document Number	1417646
Date	May 14, 2020
Book Page	014176/000046
Instrument	14270

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 13, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 17, 2019
Property Address	2995 CLOVER RD NW, CONCORD, NC 28027-2605
Document Number	1334175
Book / Page	013341 / 000075
Instrument Date	Jan 17, 2019
Instrument	1186
Transaction Type	Transfer
Record Updated	Jan 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$536.00
Additional	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	2995 CLOVER RD NW CONCORD NC 280272605, CONCORD, NC 28027-2605

Mortgage

Document Number	1334177
Date	Jan 17, 2019
Book Page	013341/000077
Instrument	1187

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CABARRUS NC
Recording Date	Dec 20, 2018
Property Address	2995 CLOVER RD NW, CONCORD, NC 28027-2605
Document Number	133091
Book / Page	013309 / 000001
Instrument Date	Nov 28, 2018
Instrument	31427
Transaction Type	Transfer
Record Updated	Jan 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2995 CLOVER RD NW CONCORD NC 280272605, CONCORD, NC 28027-2605

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Apr 20, 2018
Property Address	2995 CLOVER RD NW, CONCORD, NC 28027-2605
Document Number	1296480
Book / Page	012964 / 000080
Instrument Date	Apr 13, 2018
Instrument	9098
Transaction Type	Transfer
Record Updated	May 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$396.00
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13191 STARKEY RD #2 LARGO FL 337731438, 2, LARGO, FL 33773-1438

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		$421,710 (-) Land $70,000 Building $351,710
2025		$421,710 Land $70,000 Building $351,710
2024			$421,710 (+44.87%) Land $70,000 Building $351,710
2023	$3,551.00	$291,100 Land $50,000 Building $241,100	$291,100 Land $50,000 Building $241,100

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

Flood

FEMA maps place 2995 Clover Rd NW 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	3 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

The area around 2995 Clover Rd NW has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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 409 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

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