445 Arlee Cir SW, Concord, NC 28025 Property Records

Cabarrus County property record for 445 Arlee Cir SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,950 sqft · built 1978
Lot Size	1.62 acres (70,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Jan 2022)
Tax Bill	$2,388 (2023)
Deeds & Mortgages	Aug 2026 Line of Credit Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5528 89 2085`

Property Details

APN / Parcel Number

Primary APN	`5528 89 2085`
Alternative APNs	`11045 0099.000000` `123024` `152809`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,950 sqft Living Area
Gross Area	2,632 sqft
1st Floor Area	1,950 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	70,950 sqft (1.62 acres)
Lot Dimensions	473 ft deep x 150 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	1,200 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	192 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	152809
Street Address	445 ARLEE CIR SW
City	CONCORD
State	NC
Zip	28025-9203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-1
Legal Description	WEST SIDE ARLEE CIR
Legal Subdivision	ARLEE CIRCLE
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	1
Census Block	1039
Census Tract	40501

Owner

Source: Cabarrus County records, as of September 8, 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	445 ARLEE CIR SW, CONCORD, NC 28025-9203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Line of Credit CORNING FEDERAL CREDIT UNION
Jan 20, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC
May 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 14, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2022 · Amount on Record
Deed Sale	Jan 20, 2022 · Amount on Record
Deed Document Number	20222190
Deed Book / Page	15797 / 22
Prior Transfer Date	Apr 26, 2018
Prior Transfer Doc	1299726
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Aug 28, 2026
Property Address	445 ARLEE CIR SW, CONCORD, NC 28025-9203
Document Number	0000020577
Book / Page	18146 / 224
Instrument Date	Jul 31, 2026
Instrument	202620577
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 ARLEE CIR SW, CONCORD, NC 28025-9203

Mortgage

Document Number	0000020577,
Date	Aug 28, 2026
Book Page	18146/224
Instrument	202620577

Lender

Name	CORNING FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 20, 2022
Property Address	445 ARLEE CIR SW, CONCORD, NC 28025-9203
Document Number	0001579722
Book / Page	15797 / 22
Instrument Date	Jan 13, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	953 BRAXTON DR, 953, CONCORD, NC 28025-6839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 ARLEE CIR SW, CONCORD, NC 28025-9203

Mortgage

Document Number	0001579725
Date	Jan 20, 2022
Instrument	15797/25

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company

Agreement

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

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CABARRUS NC
Recording Date	May 25, 2018
Property Address	445 ARLEE CIR SW, CONCORD, NC 28025-9203
Document Number	1301582
Book / Page	013015 / 000082
Instrument Date	Apr 27, 2018
Instrument	12379
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 ARLEE CIR SW CONCORD NC 280259203, CONCORD, NC 28025-9203

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CABARRUS NC
Recording Date	May 14, 2018
Property Address	445 ARLEE CIR SW, CONCORD, NC 28025-9203
Document Number	1299726
Book / Page	012997 / 000026
Instrument Date	Apr 26, 2018
Instrument	11198
Transaction Type	Transfer
Record Updated	May 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 ARLEE CIR SW CONCORD NC 280259203, CONCORD, NC 28025-9203

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		$304,800 (-) Land $62,000 Building $242,800
2025		$304,800 (+55.72%) Land $62,000 Building $242,800
2024			$304,800 (+55.72%) Land $62,000 Building $242,800
2023	$2,388.00	$195,740 Land $36,000 Building $159,740	$195,740 Land $36,000 Building $159,740

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

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

Values are read at the parcel center point; 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	0.03% 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 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Google Fiber, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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