Cabarrus County property record for 45 Sumner Ave NW, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,520 sqft · built 1960 |
| Lot Size | 0.587 acres (25,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Aug 2024) |
| Tax Bill | $1,505 (2023) |
| Deeds & Mortgages | Dec 2019 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5620 06 9158 |
| Primary APN | 5620 06 9158 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,520 sqft Living Area |
| Gross Area | 1,624 sqft |
| 1st Floor Area | 1,520 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 25,560 sqft (0.587 acres) |
| Lot Dimensions | 213 ft deep x 120 ft wide |
| Garage Type | Carport |
| Garage Area | 396 sqft |
| Carport | Carport |
| Carport Area | 396 sqft |
| Porch | Slab |
| Porch Area | 104 sqft |
| Storage Building | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 172780 |
|---|---|
| Street Address | 45 SUMNER AVE NW |
| City | CONCORD |
| State | NC |
| Zip | 28027-6133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | LTS 16-19 TUCKER HEIGHTS |
| Legal Subdivision | FIRST ASSEMBLY CHURCH |
| Legal Lot Number | 16-19 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 2, POPLAR TENT |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 41901 |
45 Sumner Ave NW is owned and occupied by two individuals who bought it in August 2024.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 SUMNER AVE NW, CONCORD, NC 28027-6133 |
| 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 |
|---|---|
| Dec 5, 2019 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Dec 9, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2024 · Amount on File |
| Deed Sale | Aug 28, 2024 · Amount on File |
| Prior Sale | May 29, 2014 · Amount on File |
| Deed Document Number | 202418179 |
| Deed Book / Page | 17073 / 120 |
| Prior Transfer Date | Dec 3, 2020 |
| Prior Transfer Doc | 14735174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 45 SUMNER AVE NW, CONCORD, NC 28027-6133 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0013875171 |
|---|---|
| Date | Dec 5, 2019 |
| Book Page | 13875/0171 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35214 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 25, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Dec 9, 2020 |
| Property Address | 45 SUMNER AVE NW, CONCORD, NC 28027-6133 |
| Document Number | 0014735174 |
| Book / Page | 14735 / 174 |
| Map Reference | MB 8 PG 16 |
| Instrument Date | Dec 3, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 SUMNER AVE NW, CONCORD, NC 28027-6133 |
| Document Number | 0014735177 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 14735/177 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $269,760 (-) Land $45,000 Building $224,760 | ||
| 2025 | $269,760 Land $45,000 Building $224,760 | ||
| 2024 | $269,760 (+118.64%) Land $45,000 Building $224,760 | ||
| 2023 | $1,505.00 | $123,380 Land $24,000 Building $99,380 | $123,380 Land $24,000 Building $99,380 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 45 Sumner Ave NW in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 1, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 45 Sumner Ave NW is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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