Cabarrus County property record for 486 Union St S, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,354 sqft · built 1950 |
| Lot Size | 2.07 acres (90,561 sqft) |
| Owner | Company Name on File |
| Last Sale | $385,500 (Feb 2018) |
| Tax Bill | $2,484 (2025) |
| Deeds & Mortgages | Nov 2019 Construction Loan Feb 2018 Sale & Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5630 23 2323 |
| Primary APN | 5630 23 2323 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,354 sqft Living Area |
| Gross Area | 1,567 sqft |
| 1st Floor Area | 1,354 sqft |
| Upper Floors Area | 1,845 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 90,561 sqft (2.07 acres) |
| Lot Dimensions | 386 ft deep x 243 ft wide |
| Garage Area | 572 sqft |
| Driveway | Concrete Driveway |
| Porch | Patio |
| Porch Area | 1,257 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 116121 |
|---|---|
| Street Address | 486 UNION ST S |
| City | CONCORD |
| State | NC |
| Zip | 28025-5559 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LTS 1-3 BLANCHE FINK CLINE |
| Legal Subdivision | R BROWN MCALLISTER SCHOOL |
| Legal Lot Number | 1-3 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 12, CONCORD |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 42202 |
486 Union St S is owned by a company that bought it in February 2018.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 349 COPPERFIELD BLVD NE, LSTEL, CONCORD, NC 28025-2408 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Nov 27, 2019 | Trustee's Deed, Construction Loan · Construction Mortgage RYAN GUPTA |
| Feb 2, 2018 | Grant Deed, Construction Loan · Construction Mortgage RAMAN GUPTA |
| Apr 20, 2017 | Trustee's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2018 · Amount on File |
| Deed Sale | Feb 2, 2018 · Amount on File |
| Prior Sale | Apr 20, 2017 · Amount on File |
| Deed Book / Page | 12867 / 3 |
| Record Updated | Oct 29, 2026 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Nov 27, 2019 |
| Property Address | 486 UNION ST S, CONCORD, NC 28025-5559 |
| Book / Page | 013865 / 000143 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 33149 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 349L COPPERFIELD BLVD NE #225 CONCORD NC 280252403, 225, CONCORD, NC 28025-2403 |
| Document Number | 13865143 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 013865/000143 |
| Instrument | 33149 |
| Name | RYAN GUPTA |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Nov 26, 2020 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Feb 2, 2018 |
| Property Address | 486 UNION ST S, CONCORD, NC 28025-5559 |
| Document Number | 128673 |
| Book / Page | 012867 / 000003 |
| Instrument Date | Jan 30, 2018 |
| Instrument | 2570 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 9, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $771.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 486 S UNION ST CONCORD NC 28025, CONCORD, NC 28025 |
| Document Number | 128676 |
|---|---|
| Date | Feb 2, 2018 |
| Book Page | 012867/000006 |
| Instrument | 2571 |
| Name | RAMAN GUPTA |
|---|---|
| Address | 3041 TICE CREEK WAY, SACRAMENTO, CA 95833-4434 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Feb 1, 2019 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Apr 20, 2017 |
| Property Address | 486 UNION ST S, CONCORD, NC 28025-5559 |
| Document Number | 1245048 |
| Book / Page | 012450 / 000048 |
| Instrument Date | Apr 3, 2017 |
| Instrument | 9725 |
| Transaction Type | Foreclosure |
| Record Updated | May 3, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,068.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 3476 STATEVIEW BOULEVARD MAC #X7801 FORT MILL SC 29715, X7801, FORT MILL, SC 29715 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 486 Union St S was $2,484.
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 | $249,480 (-) Land $247,130 Building $2,350 | ||
| 2025 | $2,484.00 | $249,480 Land $247,130 Building $2,350 | |
| 2024 | $249,480 (-23.55%) Land $247,130 Building $2,350 | ||
| 2023 | $3,980.00 | $326,310 Land $197,710 Building $128,600 | $326,310 Land $197,710 Building $128,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 486 Union St S 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 486 Union St S 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.
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 243 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 |
| Verizon Fixed Wireless | 300 / 20 |
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