4848 Covington Dr NW, Concord, NC 28027 Property Records

Cabarrus County property record for 4848 Covington Dr NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,704 sqft · built 1997
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$451,000 (Aug 2022)
Tax Bill	$3,278 (2023)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02045E0180.000000`

Property Details

APN / Parcel Number

Primary APN	`02045E0180.000000`
Alternative APNs	`5509 26 4118` `156983` `51492`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,704 sqft Living Area
Gross Area	3,655 sqft
1st Floor Area	1,212 sqft
Upper Floors Area	1,492 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	162 ft deep x 76 ft wide
Garage Type	Finished
Garage Area	480 sqft
Driveway	Concrete Driveway
Driveway Area	950 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	36 sqft
Patio Area	435 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	156983
Street Address	4848 COVINGTON DR NW
City	CONCORD
State	NC
Zip	28027-2862
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LT 180 COVINGTON
Legal Subdivision	COVINGTON
Legal Lot Number	180
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	2
Census Block	2003
Census Tract	42601

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	4848 COVINGTON DR NW, CONCORD, NC 28027-2862
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Dec 18, 2020	Deed of Trust, Mortgage · ARM THIRD FSLA OF CLEVELAND
May 5, 2022	Intrafamily Transfer, Transfer
Dec 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Prior Sale	Jun 26, 2007 · Amount on Record
Deed Document Number	202224091
Deed Book / Page	16146 / 180
Prior Transfer Date	May 3, 2022
Prior Transfer Doc	0016009135
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 5, 2022
Property Address	4848 COVINGTON DR NW, CONCORD, NC 28027-2862
Document Number	0016146180
Book / Page	16146 / 180
Map Reference	MB 30 PG 58
Instrument Date	Aug 5, 2022
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$902.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4849 COVINGTON DR NW, 4849, CONCORD, NC 28027-2862

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4848 COVINGTON DR NW, CONCORD, NC 28027-2862

Mortgage

Document Number	0161460182
Date	Aug 5, 2022
Instrument	16146-0182

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Min Rate At Change	3.75%
Max Rate At Change	6.15%
Index	5-Year CMT
Max Rate	10.1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4848 COVINGTON DR NW, CONCORD, NC 28027-2862
Transaction Type	Mortgage
Record Updated	May 17, 2022
Title Company	SERVICELINK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014761297
Date	Dec 18, 2020
Book Page	14761/297

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.59%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.59%
Index	Prime Rate
Max Rate	8.59%

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	May 5, 2022
Property Address	4848 COVINGTON DR NW, CONCORD, NC 28027-2862
Document Number	0016009135
Book / Page	16009 / 135
Map Reference	MAP 4 MB 30 PG 58
Instrument Date	May 3, 2022
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6714 LA CONCHA PASS, AUSTIN, TX 78749-1716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4848 COVINGTON DRIVE, AUSTIN, TX 78749

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	4848 COVINGTON DR NW, CONCORD, NC 28027-2862
Document Number	128021
Book / Page	012802 / 000001
Instrument Date	Dec 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OPTIMA LENDERS SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4848 COVINGTON DR NW CONCORD NC 280272862, CONCORD, NC 28027-2862

Mortgage

Document Number	128021
Date	Dec 11, 2017
Book Page	012802/000001
Instrument	31998

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.89%

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		$427,150 (-) Land $90,000 Building $337,150
2025		$427,150 (+55.8%) Land $90,000 Building $337,150
2024			$427,150 (+55.8%) Land $90,000 Building $337,150
2023	$3,278.00	$274,170 Land $55,000 Building $219,170	$274,170 Land $55,000 Building $219,170

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
Nearby Flood Claims	1 (2020)
Most Recent Claim	Nov 2020 · other causes

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	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% 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 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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