403 Oak Cir, Kannapolis, NC 28081 Property Records

Rowan County property record for 403 Oak Cir, Kannapolis, NC 28081

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,146 sqft · built 1924
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Nov 2024)
Tax Bill	$2,410 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148 168`

Property Details

APN / Parcel Number

Primary APN	`148 168`
Alternative APN	`6210631`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,146 sqft Living Area
1st Floor Area	1,146 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	135 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	360 sqft
Porch	Porch
Porch Area	84 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	403 OAK CIR
City	KANNAPOLIS
State	NC
Zip	28081-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4:SINGLE
Legal Description	L6 BLK A .19AC
Legal Subdivision	KANNAPOLIS SUBDIVISION N W SECTION IV
Legal Block	A
Jurisdiction	ROWAN NC
Township / Civil Division	CHINA GROVE
Census Block Group	2
Census Block	2004
Census Tract	51501

Owner

403 Oak Cir is owned and occupied by two individuals who bought it in November 2024.

Source: Rowan County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	403 OAK CIR, KANNAPOLIS, NC 28081-1105
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2024 · Amount on File
Deed Sale	Nov 13, 2024 · Amount on File
Prior Sale	Jun 24, 2020 · Amount on File
Deed Book / Page	1452 / 6
Prior Transfer Date	Mar 12, 2007
Prior Transfer Doc	0010910497
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jun 24, 2020
Property Address	403 OAK CIR, KANNAPOLIS, NC 28081-1105
Document Number	0013500994
Book / Page	1350 / 994
Map Reference	PG 1688
Instrument Date	Jun 5, 2020
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	179 OAK VILLAGE PKWY, 179, MOORESVILLE, NC 28117-8200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 OAK CIR, KANNAPOLIS, NC 28081-1105

Mortgage

Document Number	1350995
Date	Jun 24, 2020
Instrument	1350/995

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 403 Oak Cir was $2,410.

Source: Rowan County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Rowan County
Municipality	Kannapolis City
Unified School District	Kannapolis City Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,410.00	$199,208 (-) Land $28,500 Building $170,708	$199,208 Land $28,500 Building $170,708
2025	$2,410.00	$199,208 Land $28,500 Building $170,708
2023	$1,757.00	$145,251 Land $28,500 Building $116,751	$199,208 Land $28,500 Building $170,708

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

Flood

FEMA maps place 403 Oak Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	1 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 403 Oak Cir is low, with less than a 0.01% annual chance of wildfire.

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	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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