33 Oak Dr SW, Concord, NC 28027 Property Records

Cabarrus County property record for 33 Oak Dr SW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,014 sqft · built 1945
Lot Size	0.224 acres (9,750 sqft)
Owner	2 Individual Names on File
Last Sale	$86,500 (Mar 2006)
Tax Bill	$1,010 (2023)
Deeds & Mortgages	Oct 2023 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5529 45 2911`

Property Details

APN / Parcel Number

Primary APN	`5529 45 2911`
Alternative APNs	`11038 0080.000000` `122619`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,014 sqft Living Area
Gross Area	1,198 sqft
1st Floor Area	1,014 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,750 sqft (0.224 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Asphalt Driveway
Driveway Area	650 sqft

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	144 sqft
Patio Area	144 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	122619
Street Address	33 OAK DR SW
City	CONCORD
State	NC
Zip	28027-7107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LT 4 N L & R R WILLIAMS
Legal Subdivision	WHITEHALL PHIFER PARK
Legal Lot Number	4
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	1
Census Block	1027
Census Tract	42102

Owner

33 Oak Dr SW is owned and occupied by two individuals who acquired it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	33 OAK DR SW, CONCORD, NC 28027-7107
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Apr 24, 2018	Intrafamily Transfer, Transfer · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2006 · Amount on File
Deed Sale	Mar 15, 2006 · Amount on File
Deed Book / Page	6605 / 221
Last Transfer Date	Apr 18, 2018
Transfer Doc	12970189
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	33 OAK DR SW, CONCORD, NC 28027-7107
Transaction Type	Mortgage
Record Updated	Oct 17, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016671190
Date	Oct 4, 2023
Book Page	16671/190

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	33 OAK DR SW, CONCORD, NC 28027-7107
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014661317
Date	Nov 12, 2020
Book Page	14661/317

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	Apr 24, 2018
Property Address	33 OAK DR SW, CONCORD, NC 28027-7107
Document Number	0012970189
Book / Page	12970 / 0189
Map Reference	MB8 PG23
Instrument Date	Apr 18, 2018
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33 OAK DR SW, 33, CONCORD, NC 28027-7107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 OAK DR SW, CONCORD, NC 28027-7107

Mortgage

Document Number	0012970192
Date	Apr 24, 2018
Instrument	12970/192

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

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	Concord City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$156,080 (-) Land $42,500 Building $113,580
2025		$156,080 Land $42,500 Building $113,580
2024			$156,080 (+88.59%) Land $42,500 Building $113,580
2023	$1,010.00	$82,760 Land $25,500 Building $57,260	$82,760 Land $25,500 Building $57,260

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

Flood

FEMA maps place 33 Oak Dr SW in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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	1 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2001 · rainfall accumulation

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 33 Oak Dr SW is low, with a 0.02% annual chance of 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	0.02% 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 264 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Google Fiber.

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