4043 Clover Rd NW, Concord, NC 28027 Property Records

Cabarrus County property record for 4043 Clover Rd NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,953 sqft · built 2014
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$166,500 (Jun 2014)
Tax Bill	$2,679 (2023)
Deeds & Mortgages	Sep 2021 Line of Credit Jun 2021 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`02045L0014.000000`

Property Details

APN / Parcel Number

Primary APN	`02045L0014.000000`
Alternative APNs	`4599 65 8058` `95491`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,953 sqft Living Area
Gross Area	2,856 sqft
1st Floor Area	762 sqft
Upper Floors Area	1,191 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	116 ft deep x 65 ft wide
Garage Type	Mixed
Garage Area	429 sqft
Driveway	Concrete Driveway
Driveway Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	210 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	95491
Street Address	4043 CLOVER RD NW
City	CONCORD
State	NC
Zip	28027-3816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LT 14 THE POINTE AT RIVERWALK
Legal Subdivision	RIVERWALK
Legal Lot Number	14
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	2
Census Block	2009
Census Tract	42602

Owner

4043 Clover Rd NW is owned and occupied by two individuals who bought it in June 2014.

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 File
Mailing Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 14, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 28, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Mar 9, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 27, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Feb 28, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Apr 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2014 · Amount on File
Deed Sale	Jun 24, 2014 · Amount on File
Prior Sale	Jul 3, 2012 · Amount on File
Deed Book / Page	11009 / 50
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015492167
Date	Sep 15, 2021
Book Page	15492/167

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Oct 6, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015236206
Date	Jun 8, 2021
Book Page	15236/206

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015692197
Date	Dec 1, 2021
Book Page	15692/197

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016113333
Date	Jul 14, 2022
Book Page	16113/333

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0017281199
Date	Jan 28, 2025
Book Page	17281/199

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2045

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001404746
Date	Mar 9, 2020
Book Page	14047/46

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 9, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Document Number	14629164
Instrument Date	Oct 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4043 CLOVER RD NW CONCORD NC 280273816, CONCORD, NC 28027-3816

Mortgage

Document Number	14629164
Date	Nov 2, 2020
Book Page	014629/000164
Instrument	38233

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	276 Months
Due	Nov 1, 2043

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Document Number	139301
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4043 CLOVER RD NW CONCORD NC 280273816, CONCORD, NC 28027-3816

Mortgage

Document Number	139301
Date	Dec 31, 2019
Book Page	013930/000001
Instrument	36880

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	336 Months
Due	Dec 30, 2047

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Document Number	13399331
Instrument Date	Feb 28, 2019
Transaction Type	Mortgage
Record Updated	Mar 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4043 CLOVER RD NW CONCORD NC 280273816, CONCORD, NC 28027-3816

Mortgage

Document Number	13399331
Date	Mar 5, 2019
Book Page	013399/000331
Instrument	4988

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48726-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 4, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4043 CLOVER RD NW, CONCORD, NC 28027-3816
Document Number	12470244
Book / Page	012470 / 000244
Instrument Date	Apr 27, 2017
Transaction Type	Mortgage
Record Updated	May 12, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4043 CLOVER RD NW CONCORD NC 280273816, CONCORD, NC 28027-3816

Mortgage

Document Number	12470244
Date	May 2, 2017
Book Page	012470/000244
Instrument	10939

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.99%

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Concord City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$354,930 Land $70,000 Building $284,930
2024			$354,930 (+61.63%) Land $70,000 Building $284,930
2023	$2,679.00	$219,600 Land $50,000 Building $169,600	$219,600 Land $50,000 Building $169,600

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

Flood

FEMA maps place 4043 Clover Rd NW in Zone X, an area of minimal flood risk.

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	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

The area around 4043 Clover Rd NW has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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 409 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

May also be available: Windstream.

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