4178 Pegwell Ave, Concord, NC 28025 Property Records

Cabarrus County property record for 4178 Pegwell Ave, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,064 sqft · built 2017
Lot Size	0.103 acres (4,487 sqft)
Owner	Individual Name on Record
Last Sale	$197,500 (Aug 2017)
Tax Bill	$2,518 (2023)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11045F0063.000000`

Property Details

APN / Parcel Number

Primary APN	`11045F0063.000000`
Alternative APNs	`5538 38 2773` `117939`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,064 sqft Living Area
Gross Area	2,304 sqft
1st Floor Area	936 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,487 sqft (0.103 acres)
Lot Dimensions	100 ft deep x 45 ft wide
Garage Type	Mixed
Garage Area	240 sqft
Driveway	Driveway
Driveway Area	440 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	90 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	117939
Street Address	4178 PEGWELL AVE
City	CONCORD
State	NC
Zip	28025-9279
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2
Legal Description	LT 63 RAMSGATE
Legal Subdivision	RAMSGATE PH 3
Legal Lot Number	63
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	5
Census Block	5008
Census Tract	40501

Owner

Source: Cabarrus County records, as of May 1, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4178 PEGWELL AVE, CONCORD, NC 28025-9279
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Dec 21, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 31, 2017	Warranty Deed, Subdivision Related Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2017 · Amount on Record
Deed Sale	Aug 31, 2017 · Amount on Record
Prior Sale	Mar 17, 2017 · Amount on Record
Deed Document Number	0012657259
Deed Book / Page	12657 / 259
Record Updated	Jun 7, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4178 PEGWELL AVE, CONCORD, NC 28025-9279
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015740175
Date	Dec 22, 2021
Book Page	15740/175

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4178 PEGWELL AVE, CONCORD, NC 28025-9279
Transaction Type	Mortgage
Record Updated	Jan 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015736181
Date	Dec 21, 2021
Book Page	15736/181

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	CONCORD, NC 28027

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 31, 2017
Property Address	4178 PEGWELL AVE, CONCORD, NC 28025-9279
Document Number	0012657259
Book / Page	12657 / 0259
Map Reference	MB72 PG48-50
Instrument Date	Aug 31, 2017
Instrument	12657-0259
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 21, 2022
Title Company	INDEPENDENCE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2649 BREKONRIDGE CENTRE DR, 2649, MONROE, NC 28110-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4178 PEGWELL AVE, CONCORD, NC 28025-9279
Investor	Possibly a Property Investor

Mortgage

Document Number	0126570261
Date	Aug 31, 2017
Instrument	12657-0261

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Change Frequency	Annually
Min Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	10.2%

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of January 1, 2023

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
2023	$2,518.00	$206,370 Land $40,000 Building $166,370	$206,370 Land $40,000 Building $166,370

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% 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 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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon, Windstream.

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