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3704 Baptist Ln, Concord, NC 28025 Property Records

Cabarrus County property record for 3704 Baptist Ln, Concord, NC 28025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,008 sqft · built 1979
Lot Size0.56 acres (24,375 sqft)
Owner2 Individual Names on File
Last Sale$145,000 (Apr 1997)
Tax Bill$2,009 (2023)
Deeds & MortgagesSep 2020 Mortgage
Jul 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN5546 86 8890

Property Details

APN / Parcel Number

Primary APN5546 86 8890
Alternative APNs
  • 10005 0050.000000
  • 2898500

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,008 sqft Living Area
Gross Area4,352 sqft
1st Floor Area2,008 sqft
Basement Area840 sqft
Finished Basement840 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1993
Architectural StyleRanch
Exterior MaterialBrick Veneer
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area24,375 sqft (0.56 acres)
Lot Dimensions195 ft deep x 125 ft wide
Garage TypeBasement
Garage Area2,576 sqft
DrivewayConcrete Driveway
Driveway Area1,700 sqft
Parking Spaces5 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area40 sqft
Deck Area168 sqft
Patio Area168 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number2898500
Street Address3704 BAPTIST LN
CityCONCORD
StateNC
Zip28025-8300
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCR
Legal DescriptionLOT 51 VANDERBURG ESTATES
Legal SubdivisionVANDERBURG ESTATES
Legal Lot Number51
JurisdictionCABARRUS NC
Township / Civil Division10, MIDLAND
Census Block Group1
Census Block1033
Census Tract41604

Owner

3704 Baptist Ln is owned and occupied by two individuals who bought it in April 1997.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address3704 BAPTIST LN, CONCORD, NC 28025-8300
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 4, 2020Deed of Trust, Mortgage
FIFTH THIRD BANK NA
Jul 7, 2017Deed of Trust, Mortgage · Conventional Mortgage
FIFTH THIRD MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 28, 1997 · Amount on File
Deed SaleApr 28, 1997 · Amount on File
Prior SaleFeb 1, 1982 · Amount on File
Deed Book / Page1861 / 33
Record UpdatedOct 29, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCABARRUS NC
Property Address3704 BAPTIST LN, CONCORD, NC 28025-8300
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number14472220
DateSep 4, 2020
Book Page14472/220
Lender
NameFIFTH THIRD BANK NA
TypeBank
AddressCINCINNATI, OH 45263
Agreement
AmountAmount on Record
Term358 Months
DueJul 25, 2050

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCABARRUS NC
Property Address3704 BAPTIST LN, CONCORD, NC 28025-8300
Document Number12578157
Book / Page012578 / 000157
Instrument DateJul 7, 2017
Transaction TypeMortgage
Record UpdatedJul 25, 2017
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3704 BAPTIST LN CONCORD NC 280258300, CONCORD, NC 28025-8300

Mortgage

Document Number12578157
DateJul 12, 2017
Book Page012578/000157
Instrument17731
Lender
NameFIFTH THIRD MTG
TypeMortgage Company
AddressCINCINNATI, OH 45227
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJul 11, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCabarrus County
Unified School DistrictCabarrus County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$356,520 Land $87,000 Building $269,520
2024$356,520 (+49.03%) Land $87,000 Building $269,520
2023$2,009.00$239,220 Land $40,000 Building $199,220$239,220 Land $40,000 Building $199,220

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

Flood

FEMA maps place 3704 Baptist Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force

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 3704 Baptist Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
Fiber · DSL		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

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