3170 Ridge Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 3170 Ridge Rd, Concord, NC 28025

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,416 sqft · built 1980
Lot Size	1.41 acres (61,420 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (Jun 1986)
Tax Bill	$1,526 (2023)
Deeds & Mortgages	Aug 2026 Line of Credit Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5640 68 0941`

Property Details

APN / Parcel Number

Primary APN	`5640 68 0941`
Alternative APNs	`11019 0007.000000` `6229467` `152841`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,416 sqft Living Area
Gross Area	3,866 sqft
1st Floor Area	1,416 sqft
Basement Area	1,508 sqft
Unfinished Basement	1,508 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1990
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	61,420 sqft (1.41 acres)
Lot Width	100 ft Width
Garage Type	Mixed
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	92 sqft
Deck Area	300 sqft
Patio Area	541 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	152841
Street Address	3170 RIDGE RD
City	CONCORD
State	NC
Zip	28025-9504
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AO
Legal Description	LTS 22-25 & TR 62 EASTWOOD ACRES BLK C
Legal Subdivision	LAKE LYNN LODGE
Legal Tract	62
Legal Block	C
Legal Lot Number	22-25
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	3
Census Block	3002
Census Tract	40502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3170 RIDGE RD, CONCORD, NC 28025-9504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Line of Credit FINANCIAL FEDERAL CREDIT INC
Jan 21, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 21, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 1986 · Amount on Record
Deed Sale	Jun 30, 1986 · Amount on Record
Deed Book / Page	610 / 492
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Aug 3, 2026
Property Address	3170 RIDGE RD, CONCORD, NC 28025-9504
Document Number	0000018351
Book / Page	18110 / 116
Instrument Date	Jul 27, 2026
Instrument	202618351
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	TRUSTAGE COMPLIANCE SOLUTION

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018351,
Date	Aug 3, 2026
Book Page	18110/116
Instrument	202618351

Lender

Name	FINANCIAL FEDERAL CREDIT INC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 21, 2022
Property Address	3170 RIDGE RD, CONCORD, NC 28025-9504
Document Number	0001508191
Book / Page	15081 / 91
Map Reference	MB 10 PG 5
Instrument Date	Jan 21, 2022
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	750 LAKE LYNN RD, 750, CONCORD, NC 28025-9650

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3170 RIDGE RD, CONCORD, NC 28025-9504

Mortgage

Document Number	0001508194
Date	Jan 21, 2022
Instrument	15081/94

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 21, 2022
Property Address	3170 RIDGE RD, CONCORD, NC 28025-9504
Document Number	0001580191
Book / Page	15801 / 91
Map Reference	MB 10 PG 5
Instrument Date	Jan 21, 2022
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	750 LAKE LYNN RD, 750, CONCORD, NC 28025-9650

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3170 RIDGE RD, CONCORD, NC 28025-9504

Mortgage

Document Number	0001580194
Date	Jan 21, 2022
Instrument	15801/94

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$291,800 (-) Land $53,930 Building $237,870
2025		$291,800 (+59.94%) Land $53,930 Building $237,870
2024			$291,800 (+59.94%) Land $53,930 Building $237,870
2023	$1,526.00	$182,440 Land $36,900 Building $145,540	$182,440 Land $36,900 Building $145,540

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Nov 2020 · river or lake flooding

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	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% 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 47 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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