321 Union St S, Concord, NC 28025 Property Records

Cabarrus County property record for 321 Union St S, Concord, NC 28025

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 4,192 sqft · built 1905
Lot Size	0.285 acres (12,395 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Apr 2022)
Tax Bill	$4,623 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5630 15 2170`

Property Details

APN / Parcel Number

Primary APN	`5630 15 2170`
Alternative APNs	`12039 0097.000000` `3746035` `154570`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Units	2 Units
Stories	2 Stories
Building Area	4,192 sqft Total Area
1st Floor Area	1,896 sqft
Upper Floors Area	1,308 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1985
Architectural Style	Multi-Family
Exterior Material	Wood
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Hip
Roof Material	Asbestos
Lot Area	12,395 sqft (0.285 acres)
Lot Dimensions	185 ft deep x 67 ft wide
Driveway	Concrete Driveway
Driveway Area	950 sqft
Porch	Slab
Porch Area	988 sqft
Storage Building	324 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	154570
Street Address	321 UNION ST S
City	CONCORD
State	NC
Zip	28025-5291
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RV
Legal Description	EAST SIDE UNION ST S
Legal Subdivision	SOUTH HISTORIC CONCORD
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	1
Census Block	1024
Census Tract	42202

Historic Designation

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

Historic District	Within the South Union Street Historic District listed 1986 · 69 contributing resources · NRIS 86000736

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

Owner

Source: Cabarrus County assessment roll, as of September 23, 2025

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 File
Mailing Address	447 E 12TH ST, 102, CHARLOTTE, NC 28206-0503
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 5, 2022 · Amount on Record
Deed Sale	Apr 5, 2022 · Amount on Record
Prior Sale	Dec 1, 1990 · Amount on Record
Deed Document Number	202211499
Deed Book / Page	15950 / 339
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Apr 5, 2022
Property Address	321 UNION ST S, CONCORD, NC 28025-5291
Document Number	0015950339
Book / Page	15950 / 339
Instrument Date	Apr 5, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7135 E W T HARRIS BLVD, 7135, CHARLOTTE, NC 28227-1009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 UNION ST S, CONCORD, NC 28025-5291

Mortgage

Document Number	0015950342
Date	Apr 5, 2022
Instrument	15950/342

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of September 23, 2025

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
2025	$4,623.00 (+75.85%)	$464,180 (+55.93%) Land $101,650 Building $362,530
2024			$464,180 (+55.93%) Land $101,650 Building $362,530
2023	$2,629.00	$297,690 Land $52,250 Building $245,440	$297,690 Land $52,250 Building $245,440

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Uniti Group Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20