Cabarrus County property record for 381 Schad Ct SW, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,428 sqft · built 1990 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Dec 2024) |
| Tax Bill | $2,746 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11033A0087.000000 |
| Primary APN | 11033A0087.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,428 sqft Living Area |
| Gross Area | 2,052 sqft |
| 1st Floor Area | 936 sqft |
| Upper Floors Area | 492 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Mixed |
| Garage Area | 288 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 450 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 216 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 174522 |
|---|---|
| Street Address | 381 SCHAD CT SW |
| City | CONCORD |
| State | NC |
| Zip | 28025-1203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | LT 87 WILLOW BEND |
| Legal Subdivision | WILLOW BEND |
| Legal Lot Number | 87 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 11, CENTRAL CABARRUS |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 42102 |
Source: Cabarrus County records, as of March 24, 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 | PO BOX 700, NEWELL, NC 28126-0700 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 26, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE |
| Aug 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Dec 31, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 11, 2017 | Warranty Deed, Transfer · FHA Mortgage AMERISOUTH MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2024 · Amount on Record |
| Deed Sale | Dec 5, 2024 · Amount on Record |
| Prior Sale | Apr 11, 2017 · Amount on Record |
| Deed Document Number | 202426082 |
| Deed Book / Page | 17215 / 264 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 381 SCHAD CT SW, CONCORD, NC 28025-1203 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0016544126 |
|---|---|
| Date | Jun 26, 2023 |
| Book Page | 16544/126 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 381 SCHAD CT SW, CONCORD, NC 28025-1203 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0015401248 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 15401/248 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Aug 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 381 SCHAD CT SW, CONCORD, NC 28025-1203 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0013928153 |
|---|---|
| Date | Dec 31, 2019 |
| Book Page | 13928/0153 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Jun 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Apr 11, 2017 |
| Property Address | 381 SCHAD CT SW, CONCORD, NC 28025-1203 |
| Document Number | 0012438310 |
| Book / Page | 12438 / 0310 |
| Map Reference | MB23 PG24 |
| Instrument Date | Apr 11, 2017 |
| Instrument | 12438-0310 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 613 HANIA DR SW, 613, CONCORD, NC 28027-1749 |
| Name | Verified Name |
|---|---|
| Address | 381 SCHAD CT SW, CONCORD, NC 28025-1203 |
| Document Number | 0124380313 |
|---|---|
| Date | Apr 11, 2017 |
| Instrument | 12438-0313 |
| Name | AMERISOUTH MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
Source: Cabarrus County assessment roll, as of September 23, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,746.00 (+40.46%) | $275,750 (+72.11%) Land $65,000 Building $210,750 | |
| 2024 | $275,750 (+72.11%) Land $65,000 Building $210,750 | ||
| 2023 | $1,955.00 | $160,220 Land $40,000 Building $120,220 | $160,220 Land $40,000 Building $120,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 360 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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