4519 Ranchway Dr SW, Concord, NC 28027 Property Records

Cabarrus County property record for 4519 Ranchway Dr SW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,653 sqft · built 1978
Lot Size	1.08 acres (47,430 sqft)
Owner	2 Individual Names on File
Last Sale	$119,000 (May 1990)
Tax Bill	$2,979 (2023)
Deeds & Mortgages	Sep 2026 Reverse Mortgage Sep 2026 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02036C0030.000000`

Property Details

APN / Parcel Number

Primary APN	`02036C0030.000000`
Alternative APNs	`5509 71 3191` `136868` `180722`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,653 sqft Living Area
Gross Area	3,100 sqft
1st Floor Area	1,653 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	47,430 sqft (1.08 acres)
Lot Dimensions	279 ft deep x 170 ft wide
Garage Type	Mixed
Garage Area	1,251 sqft
Driveway	Concrete Driveway
Driveway Area	2,200 sqft
Parking Spaces	8 Parking Spaces
Porch	Slab
Porch Area	76 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	180722
Street Address	4519 RANCHWAY DR SW
City	CONCORD
State	NC
Zip	28027-0423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	LT 83 CAROLANDO
Legal Subdivision	CAROLANDO
Legal Lot Number	83
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	4
Census Block	4025
Census Tract	42603

Owner

4519 Ranchway Dr SW is owned and occupied by two individuals who acquired it in September 2025.

Source: Cabarrus County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4519 RANCHWAY DR SW, CONCORD, NC 28027-0423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 16, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
Sep 16, 2026	Deed of Trust, Mortgage · Reverse Mortgage MORTGAGE MORTGAGE
Sep 18, 2025	Intrafamily Transfer, Transfer · Reverse Mortgage SOUTH RIVER MORTGAGE LLC
Mar 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 1990 · Amount on File
Deed Sale	May 1, 1990 · Amount on File
Deed Book / Page	752 / 239
Last Transfer Date	Sep 18, 2025
Transfer Doc	0000021084
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Sep 16, 2026
Property Address	4519 RANCHWAY DR SW, CONCORD, NC 28027-0423
Document Number	0000021975
Book / Page	18170 / 24
Instrument Date	Sep 15, 2026
Instrument	202621975
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	SUMMIT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	4519 RANCHWAY DR SW, CONCORD, NC 28027-0423

Mortgage

Document Number	0000021975,
Date	Sep 16, 2026
Book Page	18170/24
Instrument	202621975

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	985 Months
Due	Oct 23, 2108

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Sep 16, 2026
Property Address	4519 RANCHWAY DR SW, CONCORD, NC 28027-0423
Document Number	0000021974
Book / Page	18170 / 9
Instrument Date	Sep 15, 2026
Instrument	202621974
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	SUMMIT TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	4519 RANCHWAY DR SW, CONCORD, NC 28027-0423

Mortgage

Document Number	0000021974,
Date	Sep 16, 2026
Book Page	18170/9
Instrument	202621974

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	985 Months
Due	Oct 23, 2108

Interest

Rate Type	Adjustable Rate
Rate	10.1%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	Sep 18, 2025
Property Address	4519 RANCHWAY DR SW, CONCORD, NC 28027-0423
Document Number	0017621177
Book / Page	17621 / 177
Map Reference	MB 16 PG 35
Instrument Date	Sep 15, 2025
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	UNKNOWN, SUMMIT SETTLEMENT SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4519 RANCHWAY DR SW, CONCORD, NC 28027-0423

Mortgage

Document Number	0017621179
Date	Sep 18, 2025
Instrument	17621/179

Lender

Name	SOUTH RIVER MORTGAGE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	997 Months
Due	Oct 23, 2108

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2025
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	11.6%

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CABARRUS NC
Recording Date	Mar 16, 2020
Property Address	4519 RANCHWAY DR SW, CONCORD, NC 28027-0423
Document Number	14061128
Book / Page	014061 / 000128
Instrument Date	Mar 16, 2020
Instrument	8066
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4519 RANCHWAY DR SW CONCORD NC 280270423, CONCORD, NC 28027-0423

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		$365,910 (-) Land $90,000 Building $275,910
2025		$365,910 Land $90,000 Building $275,910
2024			$365,910 (+49.84%) Land $90,000 Building $275,910
2023	$2,979.00	$244,200 Land $60,000 Building $184,200	$244,200 Land $60,000 Building $184,200

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

Flood

FEMA maps place 4519 Ranchway Dr SW 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 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 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 4519 Ranchway Dr SW is low, with a 0.02% 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	0.02% 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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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