Cabarrus County property record for 403 Ludwig Ave, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,304 sqft · built 1956 |
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Jun 2021) |
| Tax Bill | $2,183 (2023) |
| Deeds & Mortgages | Sep 2022 Line of Credit Oct 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5612 63 0639 |
| Primary APN | 5612 63 0639 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| Gross Area | 2,406 sqft |
| 1st Floor Area | 1,304 sqft |
| Basement Area | 870 sqft |
| Finished Basement | 870 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 44,431 sqft (1.02 acres) |
| Lot Dimensions | 200 ft deep x 233 ft wide |
| Garage Type | Carport |
| Garage Area | 456 sqft |
| Carport | Carport |
| Carport Area | 456 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 232 sqft |
| Shed | 1 Shed |
| Shed Area | 414 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 146806 |
|---|---|
| Street Address | 403 LUDWIG AVE |
| City | CONCORD |
| State | NC |
| Zip | 28027-4120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | LTS 64-72 & P/O 73 B L UMBERGER ESTATE BLK F |
| Legal Subdivision | B L UMBERGER ESTATE |
| Legal Block | F |
| Legal Lot Number | 64-72 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 4, KANNAPOLIS |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 41100 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 403 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Oct 8, 2018 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Jun 4, 2021 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2021 · Amount on Record |
| Deed Sale | Jun 4, 2021 · Amount on Record |
| Prior Sale | Jul 7, 2016 · Amount on Record |
| Deed Book / Page | 15229 / 13 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 403 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0016210122 |
|---|---|
| Date | Sep 20, 2022 |
| Book Page | 16210/122 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 403 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | ISGN |
| Name | Verified Name |
|---|
| Document Number | 0013219197 |
|---|---|
| Date | Oct 8, 2018 |
| Book Page | 13219/0197 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 5, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jun 4, 2021 |
| Property Address | 403 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Document Number | 0001522913 |
| Book / Page | 15229 / 13 |
| Map Reference | MB 6 PG 74 |
| Instrument Date | May 26, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | MOREHEAD TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 56 BURR ST, 56, BARNEGAT, NJ 08005-2124 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001522915 |
|---|---|
| Date | Jun 4, 2021 |
| Instrument | 15229/15 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.15% |
| Max Rate | 9.15% |
Source: Cabarrus County assessment roll, as of August 27, 2026
| 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 |
|---|---|---|---|
| 2026 | $277,760 (+74.3%) Land $90,000 Building $187,760 | ||
| 2024 | $277,760 (+74.3%) Land $90,000 Building $187,760 | ||
| 2023 | $2,183.00 | $159,360 Land $50,400 Building $108,960 | $159,360 Land $50,400 Building $108,960 |
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 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 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 69 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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