Cabarrus County property record for 407 Cook St, Kannapolis, NC 28083
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,218 sqft · built 2000 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Sep 2026) |
| Tax Bill | $1,865 (2023) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5613 83 3881 |
| Primary APN | 5613 83 3881 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,218 sqft Living Area |
| Gross Area | 1,364 sqft |
| 1st Floor Area | 1,218 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 160 ft deep x 76 ft wide |
| Driveway | Concrete Driveway |
| Driveway Area | 875 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 122 sqft |
| Patio Area | 122 sqft |
| Storage Building | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 124420 |
|---|---|
| Street Address | 407 COOK ST |
| City | KANNAPOLIS |
| State | NC |
| Zip | 28083-5111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | NORTH SIDE COOK ST |
| Legal Subdivision | CAR TOWN |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 4, KANNAPOLIS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 40800 |
407 Cook St is owned and occupied by an individual who bought it in September 2026.
Source: Cabarrus County records, as of September 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 COOK ST, KANNAPOLIS, NC 28083-5111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION |
| Jan 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 14, 2020 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Jul 13, 2018 | Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2026 · Amount on File |
| Deed Sale | Sep 1, 2026 · Amount on File |
| Prior Sale | Jul 13, 2018 · Amount on File |
| Deed Document Number | 202620860 |
| Deed Book / Page | 18151 / 176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Sep 1, 2026 |
| Property Address | 407 COOK ST, KANNAPOLIS, NC 28083-5111 |
| Document Number | 0000020860 |
| Book / Page | 18151 / 176 |
| Instrument Date | Aug 22, 2026 |
| Instrument | 202620860 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $52,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 COOK ST, KANNAPOLIS, NC 28083-5111 |
| Document Number | 0000020861, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 202620861 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.9% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 407 COOK ST, KANNAPOLIS, NC 28083-5111 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0014824130 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 14824/130 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 407 COOK ST, KANNAPOLIS, NC 28083-5111 |
| Document Number | 14820194 |
| Instrument Date | Nov 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 407 COOK ST KANNAPOLIS NC 280835111, KANNAPOLIS, NC 28083-5111 |
| Document Number | 14820194 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 014820/000194 |
| Instrument | 1210 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jul 13, 2018 |
| Property Address | 407 COOK ST, KANNAPOLIS, NC 28083-5111 |
| Document Number | 0013087158 |
| Book / Page | 13087 / 0158 |
| Map Reference | MB9 PG50 |
| Instrument Date | Jul 13, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $316.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 306 S NUNIPER ST, 306, KANNAPOLIS, NC 28083 |
| Name | Verified Name |
|---|---|
| Address | 407 COOK ST, KANNAPOLIS, NC 28083-5111 |
| Document Number | 0013087161 |
|---|---|
| Date | Jul 13, 2018 |
| Instrument | 13087/161 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Kannapolis City |
| Unified School District | Kannapolis City Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $224,700 (-) Land $40,000 Building $184,700 | ||
| 2025 | $224,700 Land $40,000 Building $184,700 | ||
| 2024 | $224,700 (+65.07%) Land $40,000 Building $184,700 | ||
| 2023 | $1,865.00 | $136,120 Land $22,000 Building $114,120 | $136,120 Land $22,000 Building $114,120 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Cook St 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 |
| 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.
Wildfire risk around 407 Cook St is low, with 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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