43 Union St S, Concord, NC 28025 Property Records

Cabarrus County property record for 43 Union St S, Concord, NC 28025

Property Summary

Property Type	Commercial Office
Details	2 ba · 4,445 sqft · built 1895
Lot Size	0.101 acres (4,375 sqft)
Owner	2 Individual Names on File
Last Sale	$268,000 (Jun 2003)
Tax Bill	$3,965 (2023)
Deeds & Mortgages	Jan 2020 Sale Oct 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`5620 97 1894`

Property Details

APN / Parcel Number

Primary APN	`5620 97 1894`
Alternative APNs	`12031 0051.000000` `4799000`

Interior

Plumbing Fixtures	4 Plumbing Fixtures
Stories	2 Stories
Building Area	4,445 sqft Total Area
1st Floor Area	2,410 sqft
Upper Floors Area	1,995 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Wood Truss
Roof Material	Other
Lot Area	4,375 sqft (0.101 acres)
Lot Dimensions	125 ft deep x 35 ft wide
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	4799000
Street Address	43 UNION ST S
City	CONCORD
State	NC
Zip	28025-5009
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	CC
Legal Description	EAST SIDE UNION ST S
Legal Subdivision	DOWNTOWN CONCORD
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	3
Census Block	3034
Census Tract	42300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North Union Street Historic District listed 1986 · 150 contributing resources · NRIS 86000789

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

43 Union St S, a commercial property, is owned by two individuals who bought it in June 2003.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	43 UNION ST S, CONCORD, NC 28025-5009
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Oct 22, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2003 · Amount on File
Deed Sale	Jun 18, 2003 · Amount on File
Prior Sale	Mar 26, 1999 · Amount on File
Deed Book / Page	4614 / 166
Prior Transfer Date	Jun 10, 2003
Prior Transfer Doc	4614000166
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 28, 2020
Property Address	43 UNION ST S, CONCORD, NC 28025-5009
Document Number	13971332
Book / Page	013971 / 000332
Instrument Date	Jan 28, 2020
Instrument	2685
Transaction Type	Transfer
Record Updated	Feb 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 UNION ST S CONCORD NC 280255009, CONCORD, NC 28025-5009

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Oct 22, 2019
Property Address	43 UNION ST S, CONCORD, NC 28025-5009
Document Number	1379723
Book / Page	013797 / 000023
Instrument Date	Oct 22, 2019
Instrument	29098
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	43 UNION ST S CONCORD NC 280255009, CONCORD, NC 28025-5009

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		$292,990 Land $127,350 Building $165,640
2024			$292,990 (+7.13%) Land $127,350 Building $165,640
2023	$3,965.00	$273,480 Land $76,410 Building $197,070	$273,480 Land $76,410 Building $197,070

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

Flood

FEMA maps place 43 Union St S 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 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

Wildfire risk around 43 Union St S 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Google Fiber, T-Mobile.

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