Cabarrus County property record for 4909 Pepper Dr, Harrisburg, NC 28075
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,640 sqft · built 2015 |
| Lot Size | 0.206 acres (8,973 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,000 (Jul 2015) |
| Tax Bill | $4,228 (2023) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01024J0033.000000 |
| Primary APN | 01024J0033.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 3,640 sqft Living Area |
| Gross Area | 4,678 sqft |
| 1st Floor Area | 1,430 sqft |
| Upper Floors Area | 2,210 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 8,973 sqft (0.206 acres) |
| Lot Dimensions | 127 ft deep x 70 ft wide |
| Garage Type | Mixed |
| Garage Area | 420 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 756 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 108 sqft |
| Patio Area | 118 sqft |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 102502 |
|---|---|
| Street Address | 4909 PEPPER DR |
| City | HARRISBURG |
| State | NC |
| Zip | 28075-0348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CZ-RH |
| Legal Description | LT 33 BROOKEDALE COMMONS PH 2 MAP 7 |
| Legal Subdivision | BROOKEDALE COMMONS |
| Legal Lot Number | 33 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 1, HARRISBURG |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 41505 |
4909 Pepper Dr is owned and occupied by two individuals who bought it in July 2015.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4909 PEPPER DR, HARRISBURG, NC 28075-0348 |
| 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 |
|---|---|
| Jan 22, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA |
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DIGITAL EMP FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2015 · Amount on File |
| Deed Sale | Jul 20, 2015 · Amount on File |
| Deed Book / Page | 11503 / 74 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 4909 PEPPER DR, HARRISBURG, NC 28075-0348 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2026 |
| Title Company | UNKNOWN, SILK TITLE AND ESCROW FT |
| Name | Verified Name |
|---|
| Document Number | 0000178151 |
|---|---|
| Date | Jan 22, 2026 |
| Book Page | 17815/1 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 265 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 4909 PEPPER DR, HARRISBURG, NC 28075-0348 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 14929189 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 14929/189 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 4909 PEPPER DR, HARRISBURG, NC 28075-0348 |
| Document Number | 1391710 |
| Instrument Date | Dec 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2020 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE & CLOSING S |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4909 PEPPER DR HARRISBURG NC 280750348, HARRISBURG, NC 28075-0348 |
| Document Number | 1391710 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 013917/000010 |
| Instrument | 36155 |
| Name | DIGITAL EMP FCU |
|---|---|
| Type | Credit Union |
| Address | MARLBOROUGH, MA 01752 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 26, 2034 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Harrisburg Town |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $618,190 Land $110,000 Building $508,190 | ||
| 2024 | $618,190 (+71.82%) Land $110,000 Building $508,190 | ||
| 2023 | $4,228.00 | $359,790 Land $65,000 Building $294,790 | $359,790 Land $65,000 Building $294,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4909 Pepper Dr 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 |
| Nearby Flood Policies | 5 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 risk around 4909 Pepper Dr 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: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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