3 Union St S, Concord, NC 28025 Property Records

Cabarrus County property record for 3 Union St S, Concord, NC 28025

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1 ba · 4,440 sqft · built 1900
Lot Size	0.065 acres (2,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Apr 2005)
Tax Bill	$2,632 (2023)
Deeds & Mortgages	Oct 2026 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5620 88 9141`

Property Details

APN / Parcel Number

Primary APN	`5620 88 9141`
Alternative APNs	`12031 0029.000000` `1582128`

Interior

Units	100 Units
Stories	2 Stories
Building Area	4,440 sqft Total Area
1st Floor Area	2,160 sqft
Upper Floors Area	2,220 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Footing
Roof Type	Rigid Frame Bar Joist
Roof Material	Tar & Gravel
Lot Area	2,800 sqft (0.065 acres)
Lot Dimensions	140 ft deep x 20 ft wide
Porch	Porch
Porch Area	150 sqft
Canopy	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1582128
Street Address	3 UNION ST S
City	CONCORD
State	NC
Zip	28025-5079
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CC
Legal Description	UNION ST SOUTH ROBINSONS STORE
Legal Subdivision	DOWNTOWN CONCORD
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	3
Census Block	3034
Census Tract	42300

Historic Designation

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

Historic District	Within the North Union Street Historic District listed 1986 · 150 contributing resources · NRIS 86000789

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

Owner

Source: Cabarrus County records, as of October 19, 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	1482 YELLOWSTONE CT, CONCORD, NC 28025-6774
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed of Trust, Mortgage · Line of Credit BANK TRUST
Sep 14, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST RELIANCE BANK
Oct 24, 2017	Deed of Trust, Mortgage · Line of Credit PINNACLE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2005 · Amount on Record
Deed Sale	Apr 25, 2005 · Amount on Record
Prior Sale	Jan 1, 1985 · Amount on Record
Deed Book / Page	5925 / 52
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Oct 8, 2026
Property Address	3 UNION ST S, CONCORD, NC 28025-5079
Document Number	0000023692
Book / Page	18198 / 292
Instrument Date	Oct 7, 2026
Instrument	202623692
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1482 YELLOWSTONE CT, CONCORD, NC 28025-6774

Mortgage

Document Number	0000023692,
Date	Oct 8, 2026
Book Page	18198/292
Instrument	202623692

Lender

Name	BANK TRUST

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	3 UNION ST S, CONCORD, NC 28025-5079
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1482 YELLOWSTONE CT, CONCORD, NC 28025-6774

Mortgage

Document Number	1549188
Date	Sep 14, 2021
Book Page	15491/88

Lender

Name	FIRST RELIANCE BANK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	3 UNION ST S, CONCORD, NC 28025-5079
Document Number	12733105
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1482 YELLOWSTONE CT CONCORD NC 280256774, CONCORD, NC 28025-6774

Mortgage

Document Number	12733105
Date	Oct 24, 2017
Book Page	012733/000105
Instrument	27692

Lender

Name	PINNACLE BK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$267,990 (+47.64%) Land $84,210 Building $183,780
2024			$267,990 (+47.64%) Land $84,210 Building $183,780
2023	$2,632.00	$181,520 Land $50,530 Building $130,990	$181,520 Land $50,530 Building $130,990

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	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, T-Mobile.

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