3712 Mill Bridge Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 3712 Mill Bridge Rd, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,070 sqft · built 2018
Lot Size	3.52 acres (153,331 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Jun 2026)
Tax Bill	$2,870 (2023)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10002B0012.000000`

Property Details

APN / Parcel Number

Primary APN	`10002B0012.000000`
Alternative APNs	`5557 04 2612` `119902` `126720`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,070 sqft Living Area
Gross Area	3,494 sqft
1st Floor Area	2,070 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	153,331 sqft (3.52 acres)
Lot Width	355 ft Width
Garage Type	Mixed
Garage Area	932 sqft
Driveway	Concrete Driveway
Driveway Area	2,500 sqft
Parking Spaces	4 Parking Spaces
Pool Area	576 sqft
Porch	Slab
Porch Area	492 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	126720
Street Address	3712 MILL BRIDGE RD
City	CONCORD
State	NC
Zip	28025-0037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AO
Legal Description	LT 12 BLUFFS AT MILL BRIDGE
Legal Subdivision	THE BLUFFS AT MILL BRIDGE
Legal Lot Number	12
Jurisdiction	CABARRUS NC
Township / Civil Division	10, MIDLAND
Census Block Group	1
Census Block	1007
Census Tract	41604

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	2 Individual Names on Record
Mailing Address	3712 MILL BRIDGE RD, CONCORD, NC 28025-0037
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE
Mar 11, 2022	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 14, 2017	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Mar 11, 2022 · Amount on Record
Deed Document Number	202615093
Deed Book / Page	18055 / 154
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 25, 2026
Property Address	3712 MILL BRIDGE RD, CONCORD, NC 28025-0037
Document Number	0000015093
Book / Page	18055 / 154
Instrument Date	Jun 25, 2026
Instrument	202615093
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$151,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3712 MILL BRIDGE RD, CONCORD, NC 28025-0037

Mortgage

Document Number	0000015094,
Date	Jun 25, 2026
Instrument	202615094

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Mar 11, 2022
Property Address	3712 MILL BRIDGE RD, CONCORD, NC 28025-0037
Document Number	0015901224
Book / Page	15901 / 224
Instrument Date	Mar 11, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3712 MILL BRIDGE RD, CONCORD, NC 28025-0037

Mortgage

Document Number	0015901227
Date	Mar 11, 2022
Instrument	15901/227

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

December 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Dec 14, 2017
Property Address	3712 MILL BRIDGE RD, CONCORD, NC 28025-0037
Document Number	12806217
Book / Page	012806 / 000217
Instrument Date	Dec 14, 2017
Instrument	32322
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$148.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	932 EDGEWATER DR GARNER NC 275297149, GARNER, NC 27529-7149

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		$595,530 (-) Land $115,000 Building $480,530
2025		$595,530 (+74.31%) Land $115,000 Building $480,530
2024			$595,530 (+74.31%) Land $115,000 Building $480,530
2023	$2,870.00	$341,650 Land $50,000 Building $291,650	$341,650 Land $50,000 Building $291,650

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

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

Wildfire Risk	Low lower than 67% of the US · above 43% 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.

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

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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