312 Cottage Dr, Kannapolis, NC 28083 Property Records

Cabarrus County property record for 312 Cottage Dr, Kannapolis, NC 28083

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,537 sqft · built 1964
Lot Size	0.329 acres (14,300 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Aug 2007)
Tax Bill	$2,155 (2023)
Deeds & Mortgages	May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`5613 81 1040`

Property Details

APN / Parcel Number

Primary APN	`5613 81 1040`
Alternative APNs	`04070 0023.000000` `52459`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,537 sqft Living Area
Gross Area	2,343 sqft
1st Floor Area	1,537 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1980
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Metal
Lot Area	14,300 sqft (0.329 acres)
Lot Dimensions	143 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Concrete Driveway
Driveway Area	614 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Storage Building	77 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	52459
Street Address	312 COTTAGE DR
City	KANNAPOLIS
State	NC
Zip	28083-6026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LT 7 HOMESTEAD PLACE
Legal Subdivision	MIDWAY EAST
Legal Lot Number	7
Jurisdiction	CABARRUS NC
Township / Civil Division	4, KANNAPOLIS
Census Block Group	1
Census Block	1018
Census Tract	40900

Owner

312 Cottage Dr is owned by an individual who bought it in August 2007.

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

Owner of Record	Individual Name on File
Mailing Address	2215 73RD ST E, 20, PALMETTO, FL 34221-9101
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2007 · Amount on File
Deed Sale	Aug 13, 2007 · Amount on File
Prior Sale	Apr 25, 1994 · Amount on File
Deed Book / Page	7728 / 253
Prior Transfer Date	May 20, 2003
Prior Transfer Doc	4546000114
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	312 COTTAGE DR, KANNAPOLIS, NC 28083-6026
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14185194
Date	May 18, 2020
Book Page	14185/194

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 25, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$245,400 Land $51,000 Building $194,400
2024			$245,400 (+56.03%) Land $51,000 Building $194,400
2023	$2,155.00	$157,280 Land $33,000 Building $124,280	$157,280 Land $33,000 Building $124,280

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

Flood

FEMA maps place 312 Cottage Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1989)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1989 · Hurricane Hugo

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

Wildfire risk around 312 Cottage Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.03% 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 KANNAPOLIS serves 56,050 people · EPA ID NC0180065
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Apr 2026
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 215 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