4605 Sapp Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 4605 Sapp Rd, Concord, NC 28025

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 1,566 sqft · built 1947
Lot Size	4.36 acres (190,096 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,998 (2023)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5643 23 1259`

Property Details

APN / Parcel Number

Primary APN	`5643 23 1259`
Alternative APNs	`05007 0007.000000` `5643 23 4101` `88006`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,004 sqft Living Area
Gross Area	2,510 sqft
1st Floor Area	1,404 sqft
Upper Floors Area	336 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	190,096 sqft (4.36 acres)
Lot Width	356 ft Width
Garage Area	2,580 sqft

Exterior Amenities

Porch	Patio
Porch Area	386 sqft
Deck Area	570 sqft
Patio Area	570 sqft
Shed	1 Shed
Shed Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	88006
Street Address	4605 SAPP RD
City	CONCORD
State	NC
Zip	28025-1567
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AO
Legal Description	TR 2 PLAT FOR 4605 SAPP RD
Legal Subdivision	NEW GILEAD
Legal Tract	2
Jurisdiction	CABARRUS NC
Township / Civil Division	5, NEW GILEAD
Census Block Group	3
Census Block	3000
Census Tract	40600

Owner

Source: Cabarrus County records, as of August 27, 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	4605 SAPP RD, CONCORD, NC 28025-1567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 5, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4605 SAPP RD, CONCORD, NC 28025-1567
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001446646
Date	Sep 2, 2020
Book Page	14466/46

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4605 SAPP RD, CONCORD, NC 28025-1567
Document Number	13833326
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 SAPP RD CONCORD NC 280251567, CONCORD, NC 28025-1567

Mortgage

Document Number	13833326
Date	Nov 12, 2019
Book Page	013833/000326
Instrument	31351

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$331,880 (+22.53%) Land $111,690 Building $220,190
2024			$331,880 (+22.53%) Land $111,690 Building $220,190
2023	$1,998.00	$270,850 Land $118,590 Building $152,260	$270,850 Land $118,590 Building $152,260

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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