Cabarrus County property record for 317 Patrick Ave SW, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,779 sqft · built 1999 |
| Lot Size | 0.71 acres (30,928 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $151,000 (Aug 1999) |
| Tax Bill | $2,343 (2023) |
| Deeds & Mortgages | Sep 2021 Second Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01006C0034.000000 |
| Primary APN | 01006C0034.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,779 sqft Living Area |
| Gross Area | 2,683 sqft |
| 1st Floor Area | 864 sqft |
| Upper Floors Area | 915 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 30,928 sqft (0.71 acres) |
| Lot Dimensions | 190 ft deep x 47 ft wide |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 756 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 288 sqft |
| Patio Area | 288 sqft |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 961 |
|---|---|
| Street Address | 317 PATRICK AVE SW |
| City | CONCORD |
| State | NC |
| Zip | 28025-7259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-2 |
| Legal Description | LT 34 KISER WOODS |
| Legal Subdivision | KISER WOODS |
| Legal Lot Number | 34 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 1, HARRISBURG |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 41503 |
317 Patrick Ave SW is owned and occupied by two individuals who bought it in August 1999.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 317 PATRICK AVE SW, CONCORD, NC 28025-7259 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband 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.
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FOUNDERS FCU |
| Jun 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Mar 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 1999 · Amount on File |
| Deed Sale | Aug 11, 1999 · Amount on File |
| Deed Book / Page | 2626 / 247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 317 PATRICK AVE SW, CONCORD, NC 28025-7259 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15541268 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 15541/268 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Address | LANCASTER, SC 29720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 5, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 317 PATRICK AVE SW, CONCORD, NC 28025-7259 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 14235146 |
|---|---|
| Date | Jun 9, 2020 |
| Book Page | 14235/146 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 317 PATRICK AVE SW, CONCORD, NC 28025-7259 |
| Document Number | 134331 |
| Instrument Date | Mar 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 317 PATRICK AVE SW CONCORD NC 280257259, CONCORD, NC 28025-7259 |
| Document Number | 134331 |
|---|---|
| Date | Mar 28, 2019 |
| Book Page | 013433/000001 |
| Instrument | 7115 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 27, 2034 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $361,150 Land $80,000 Building $281,150 | ||
| 2024 | $361,150 (+62.55%) Land $80,000 Building $281,150 | ||
| 2023 | $2,343.00 | $222,180 Land $41,000 Building $181,180 | $222,180 Land $41,000 Building $181,180 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 317 Patrick Ave SW in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2008.
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 File median of 28 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 7 (2008–2024) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
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 risk around 317 Patrick Ave SW is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 52% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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