4122 Peppertree Ave, Concord, NC 28027 Property Records

Cabarrus County property record for 4122 Peppertree Ave, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,498 sqft · built 1984
Lot Size	0.662 acres (28,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$77,000 (Jul 1989)
Tax Bill	$2,345 (2023)
Deeds & Mortgages	Sep 2023 Reverse Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04099A0080.000000`

Property Details

APN / Parcel Number

Primary APN	`04099A0080.000000`
Alternative APNs	`5602 82 8736` `7393300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,498 sqft Living Area
Gross Area	2,514 sqft
1st Floor Area	1,204 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,800 sqft (0.662 acres)
Lot Dimensions	288 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Concrete Driveway
Driveway Area	500 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	152 sqft
Storage Building	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	7393300
Street Address	4122 PEPPERTREE AVE
City	CONCORD
State	NC
Zip	28027-9607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LOT 80 MAP 2 AUTUMN CHASE
Legal Subdivision	AUTUMN CHASE
Legal Lot Number	80
Jurisdiction	CABARRUS NC
Township / Civil Division	4, KANNAPOLIS
Census Block Group	3
Census Block	3023
Census Tract	41202

Owner

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	4122 PEPPERTREE AVE, CONCORD, NC 28027-9607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L
Nov 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1989 · Amount on Record
Deed Sale	Jul 1, 1989 · Amount on Record
Prior Sale	Apr 15, 1988 · Amount on Record
Deed Book / Page	723 / 61
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4122 PEPPERTREE AVE, CONCORD, NC 28027-9607
Transaction Type	Mortgage
Record Updated	Sep 11, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4122 PEPPERTREE AVE, CONCORD, NC 28027-9607

Mortgage

Document Number	0016634193
Date	Sep 1, 2023
Book Page	16634/193

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	MADISON, WI 53718

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.86%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2023
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	12.8%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4122 PEPPERTREE AVE, CONCORD, NC 28027-9607
Document Number	13852260
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4122 PEPPERTREE AVE CONCORD NC 280279607, CONCORD, NC 28027-9607

Mortgage

Document Number	13852260
Date	Nov 20, 2019
Book Page	013852/000260
Instrument	32409

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 19, 2034

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4122 PEPPERTREE AVE, CONCORD, NC 28027-9607
Document Number	1326046
Instrument Date	Nov 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4122 PEPPERTREE AVE CONCORD NC 280279607, CONCORD, NC 28027-9607

Mortgage

Document Number	1326046
Date	Nov 8, 2018
Book Page	013260/000046
Instrument	28110

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 7, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$308,680 (+80.35%) Land $84,500 Building $224,180
2024			$308,680 (+80.35%) Land $84,500 Building $224,180
2023	$2,345.00	$171,160 Land $48,100 Building $123,060	$171,160 Land $48,100 Building $123,060

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

Flood

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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