Cabarrus County property record for 4317 Gail Ln, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,221 sqft · built 2017 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,555 (2023) |
| Deeds & Mortgages | Oct 2022 Line of Credit Nov 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4683 10 8932 |
| Primary APN | 4683 10 8932 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,221 sqft Living Area |
| Gross Area | 3,233 sqft |
| 1st Floor Area | 1,819 sqft |
| Upper Floors Area | 402 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Lot Width | 214 ft Width |
| Garage Type | Mixed |
| Garage Area | 670 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,040 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 342 sqft |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 110264 |
|---|---|
| Street Address | 4317 GAIL LN |
| City | CONCORD |
| State | NC |
| Zip | 28027-7639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AO |
| Legal Description | LT 2 DEREK & ALISA BROWN |
| Legal Subdivision | DEWEESE |
| Legal Lot Number | 2 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 3, ODELL |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 41301 |
4317 Gail Ln is owned and occupied by two individuals.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4317 GAIL LN, CONCORD, NC 28027-7639 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 20, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Nov 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 13, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Jul 20, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Mar 22, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage FIRST CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 4317 GAIL LN, CONCORD, NC 28027-7639 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4317 GAIL LN, CONCORD, NC 28027-7639 |
| Document Number | 0016249180 |
|---|---|
| Date | Oct 20, 2022 |
| Book Page | 16249/180 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28247 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 4317 GAIL LN, CONCORD, NC 28027-7639 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001568256 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 15682/56 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 4317 GAIL LN, CONCORD, NC 28027-7639 |
| Document Number | 13664124 |
| Instrument Date | Aug 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4317 GAIL LN CONCORD NC 280277639, CONCORD, NC 28027-7639 |
| Document Number | 13664124 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 013664/000124 |
| Instrument | 21434 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 15, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 4317 GAIL LN, CONCORD, NC 28027-7639 |
| Document Number | 13100308 |
| Instrument Date | Jul 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4317 GAIL LN CONCORD NC 280277639, CONCORD, NC 28027-7639 |
| Document Number | 13100308 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | 013100/000308 |
| Instrument | 17931 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 23, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Mar 22, 2017 |
| Property Address | 4317 GAIL LN, CONCORD, NC 28027-7639 |
| Book / Page | 012406 / 000355 |
| Instrument Date | Mar 20, 2017 |
| Instrument | 6906 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 31, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4317 GAIL LN CONCORD NC 280277639, CONCORD, NC 28027-7639 |
| Document Number | 12406355 |
|---|---|
| Date | Mar 22, 2017 |
| Book Page | 012406/000355 |
| Instrument | 6906 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 21, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $536,990 Land $120,220 Building $416,770 | ||
| 2024 | $536,990 (+69.8%) Land $120,220 Building $416,770 | ||
| 2023 | $2,555.00 | $316,240 Land $74,260 Building $241,980 | $316,240 Land $74,260 Building $241,980 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4317 Gail Ln 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 |
| 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 risk around 4317 Gail Ln is low, with a 0.04% 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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