Cabarrus County property record for 403 Easy St, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,440 sqft · built 1995 |
| Lot Size | 0.309 acres (13,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $153,000 (Jan 2017) |
| Tax Bill | $2,100 (2023) |
| Deeds & Mortgages | Apr 2023 Second Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5612 62 6919 |
| Primary APN | 5612 62 6919 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,500 sqft |
| Lot Dimensions | 180 ft deep x 75 ft wide |
| Garage Area | 840 sqft |
| Driveway | Driveway |
| Driveway Area | 725 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 224 sqft |
| Patio Area | 128 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 113203 |
|---|---|
| Street Address | 403 EASY ST |
| City | CONCORD |
| State | NC |
| Zip | 28027-4111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-2 |
| Legal Description | LTS 5-7 UMBERGER BLK D SEC 2 |
| Legal Subdivision | B L UMBERGER ESTATE SEC 02 |
| Legal Block | D |
| Legal Lot Number | 5-7 6 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 4, KANNAPOLIS |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 41100 |
Source: Cabarrus County assessment roll, as of January 1, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 403 EASY ST, CONCORD, NC 28027-4111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIFTH THIRD BANK NA |
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Jan 4, 2017 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 4, 2017 · Amount on Record |
| Deed Sale | Jan 4, 2017 · Amount on Record |
| Prior Sale | Sep 30, 1998 · Amount on Record |
| Deed Document Number | 0012306340 |
| Deed Book / Page | 12306 / 340 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 403 EASY ST, CONCORD, NC 28027-4111 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 403 EASY ST, CONCORD, NC 28027-4111 |
| Document Number | 0016455240 |
|---|---|
| Date | Apr 20, 2023 |
| Book Page | 16455/240 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 403 EASY ST, CONCORD, NC 28027-4111 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 15193102 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 15193/102 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jan 4, 2017 |
| Property Address | 403 EASY ST, CONCORD, NC 28027-4111 |
| Document Number | 0012306340 |
| Book / Page | 12306 / 0340 |
| Map Reference | MB6 PG74 |
| Instrument Date | Jan 4, 2017 |
| Instrument | 12306-0340 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $306.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5555 S OAKMONT ST, 5555, KANNAPOLIS, NC 28081-6407 |
| Name | Verified Name |
|---|---|
| Address | 403 EASY ST, CONCORD, NC 28027-4111 |
| Document Number | 0123070001 |
|---|---|
| Date | Jan 4, 2017 |
| Instrument | 12307-0001 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|---|
| Type | Non-Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 3.75% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Cabarrus County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Kannapolis City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $2,100.00 | $153,250 Land $30,800 Building $122,450 | $153,250 Land $30,800 Building $122,450 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF KANNAPOLIS serves 56,050 people · EPA ID NC0180065 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | E. coli resolved · Apr 2026 |
|---|---|
| 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 288 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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