Cabarrus County property record for 491 Havenbrook Way NW, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,129 sqft · built 2006 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,368 (2023) |
| Deeds & Mortgages | Feb 2022 Mortgage Sep 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04104H0125.000000 |
| Primary APN | 04104H0125.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,129 sqft Living Area |
| Gross Area | 2,740 sqft |
| 1st Floor Area | 859 sqft |
| Upper Floors Area | 1,270 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 100 ft deep x 53 ft wide |
| Garage Type | Mixed |
| Garage Area | 426 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 774 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 56 sqft |
| Patio Area | 129 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 174013 |
|---|---|
| Street Address | 491 HAVENBROOK WAY NW |
| City | CONCORD |
| State | NC |
| Zip | 28027-4113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | LT 125 HAVENBROOK |
| Legal Subdivision | HAVENBROOK |
| Legal Lot Number | 125 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 4, KANNAPOLIS |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 42402 |
491 Havenbrook Way NW is owned and occupied by two individuals who acquired it in October 2024.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 491 HAVENBROOK WAY NW, CONCORD, NC 28027-4113 |
| 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 |
|---|---|
| Feb 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 17, 2019 | Loan Modification, Mortgage · FHA Mortgage M&T BK |
| Dec 17, 2016 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2010 |
| Deed Sale | Sep 28, 2010 |
| Prior Sale | Jun 21, 2010 · Amount on File |
| Deed Book / Page | 9305 / 259 |
| Last Transfer Date | Oct 14, 2024 |
| Transfer Doc | 0017153128 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 491 HAVENBROOK WAY NW, CONCORD, NC 28027-4113 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0015843265 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | 15843/265 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 491 HAVENBROOK WAY NW, CONCORD, NC 28027-4113 |
| Document Number | 13807242 |
| Instrument Date | Sep 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 491 HAVENBROOK WAY NW CONCORD NC 280274113, CONCORD, NC 28027-4113 |
| Document Number | 13807242 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 013807/000242 |
| Instrument | 29722 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 27, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 491 HAVENBROOK WAY NW, CONCORD, NC 28027-4113 |
| Document Number | 1234156 |
| Instrument Date | Dec 17, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 491 HAVENBROOK WAY NW CONCORD NC 280274113, CONCORD, NC 28027-4113 |
| Document Number | 1234156 |
|---|---|
| Date | Jan 31, 2017 |
| Book Page | 012341/000056 |
| Instrument | 2554 |
| Name | WELLS FARGO BK |
|---|---|
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 30, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
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 | $300,870 (-) Land $69,000 Building $231,870 | ||
| 2025 | $300,870 Land $69,000 Building $231,870 | ||
| 2024 | $300,870 (+55.04%) Land $69,000 Building $231,870 | ||
| 2023 | $2,368.00 | $194,060 Land $40,000 Building $154,060 | $194,060 Land $40,000 Building $154,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 491 Havenbrook Way NW in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.
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 | 3 in force |
| Nearby Flood Claims | 1 (2005) |
| Most Recent Claim | Jun 2005 · rainfall accumulation |
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 491 Havenbrook Way NW 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 97% of the US · lower than 98.5% 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 316 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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