Cabarrus County property record for 407 Ludwig Ave, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,721 sqft · built 1992 |
| Lot Size | 1.39 acres (60,548 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Feb 2017) |
| Tax Bill | $3,814 (2023) |
| Deeds & Mortgages | Dec 2023 Line of Credit Feb 2018 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5612 53 7586 |
| Primary APN | 5612 53 7586 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,721 sqft Living Area |
| Gross Area | 4,452 sqft |
| 1st Floor Area | 2,361 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 60,548 sqft (1.39 acres) |
| Lot Dimensions | 189 ft deep x 326 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,353 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 624 sqft |
| Shed | 1 Shed |
| Shed Area | 448 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 128412 |
|---|---|
| Street Address | 407 LUDWIG AVE |
| City | CONCORD |
| State | NC |
| Zip | 28027-4120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | P/O LTS 51-59 & 60-63 B L UMBERGER ESTATE |
| Legal Subdivision | WINECOFF SCHOOL |
| Legal Lot Number | 51-59 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 407 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 4, 2023 | Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU |
| Feb 26, 2018 | Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU |
| Sep 28, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Nov 21, 2019 | Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU |
| Feb 24, 2017 | Warranty Deed, Transfer · FHA Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2017 · Amount on Record |
| Deed Sale | Feb 24, 2017 · Amount on Record |
| Deed Document Number | 201712372-0206 |
| Deed Book / Page | 12372 / 206 |
| Last Transfer Date | Sep 23, 2020 |
| Transfer Doc | 14529322 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 407 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001674085 |
|---|---|
| Date | Dec 4, 2023 |
| Book Page | 16740/85 |
| Name | ALLEGACY FCU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 407 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0012893134 |
|---|---|
| Date | Feb 26, 2018 |
| Book Page | 12893/0134 |
| Name | ALLEGACY FCU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 25, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Sep 28, 2020 |
| Property Address | 407 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Document Number | 0014529322 |
| Book / Page | 14529 / 322 |
| Instrument Date | Sep 23, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Document Number | 0014529325 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 14529/325 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 407 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Document Number | 1387365 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 407 LUDWIG AVE CONCORD NC 280274120, CONCORD, NC 28027-4120 |
| Document Number | 1387365 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 013873/000065 |
| Instrument | 33617 |
| Name | ALLEGACY FCU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27114-6043 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 2, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Feb 24, 2017 |
| Property Address | 407 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Document Number | 0012372206 |
| Book / Page | 12372 / 0206 |
| Map Reference | DD716 PG1 |
| Instrument Date | Feb 22, 2017 |
| Instrument | 12372-0206 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $570.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4013 BOONE CREEK RD, 4013, LEXINGTON, KY 40509-9711 |
| Name | Verified Name |
|---|---|
| Address | 407 LUDWIG AVE, CONCORD, NC 28027-4120 |
| Document Number | 0123720210 |
|---|---|
| Date | Feb 24, 2017 |
| Instrument | 12372-0210 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
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 | $484,250 (+3.99%) Land $150,000 Building $334,250 | ||
| 2025 | $465,680 (+60.08%) Land $150,000 Building $315,680 | ||
| 2024 | $484,250 (+66.46%) Land $150,000 Building $334,250 | ||
| 2023 | $3,814.00 | $290,910 Land $84,000 Building $206,910 | $290,910 Land $84,000 Building $206,910 |
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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