5021 Ruff Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 5021 Ruff Rd, Concord, NC 28025

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,046 sqft · built 2018
Lot Size	11.7 acres (510,088 sqft)
Owner	2 Individual Names on Record
Last Sale	$26,500 (Mar 1999)
Tax Bill	$2,714 (2023)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`5652 39 6374`

Property Details

APN / Parcel Number

Primary APN	`5652 39 6374`
Alternative APNs	`06007 0064.400000` `60843`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,046 sqft Living Area
Gross Area	5,308 sqft
1st Floor Area	2,046 sqft
Basement Area	2,046 sqft
Unfinished Basement	2,046 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	510,088 sqft (11.7 acres)
Lot Width	335 ft Width
Garage Type	Mixed
Garage Area	620 sqft

Exterior Amenities

Porch	Slab
Porch Area	596 sqft
Shed	1 Shed
Shed Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	60843
Street Address	5021 RUFF RD
City	CONCORD
State	NC
Zip	28025-7908
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AO
Legal Description	LT 4 HIGHLAND PLANTATION
Legal Subdivision	RIMER TOWN
Legal Lot Number	4
Jurisdiction	CABARRUS NC
Township / Civil Division	6, RIMERTOWN
Census Block Group	1
Census Block	1030
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	5021 RUFF RD, CONCORD, NC 28025-7908
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 20, 2018	Trustee's Deed, Construction Loan · Line of Credit FARMERS & MERCHANTS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 1999 · Amount on Record
Deed Sale	Mar 29, 1999 · Amount on Record
Deed Book / Page	2492 / 220
Last Transfer Date	Apr 1, 2008
Transfer Doc	0008163264
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	5021 RUFF RD, CONCORD, NC 28025-7908
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1560092
Date	Oct 25, 2021
Book Page	15600/92

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

July 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CABARRUS NC
Recording Date	Jul 20, 2018
Property Address	5021 RUFF RD, CONCORD, NC 28025-7908
Book / Page	013098 / 000062
Instrument Date	Jul 20, 2018
Instrument	17741
Transaction Type	Construction Loan
Record Updated	Jul 30, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 CAROLYN DR SE CONCORD NC 280253856, CONCORD, NC 28025-3856

Mortgage

Document Number	1309862
Date	Jul 20, 2018
Book Page	013098/000062
Instrument	17741

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2048

Interest

Rate Type	Adjustable Rate

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		$513,200 (-)
2025		$513,200 (+56.58%)
2024			$647,330 (+62.54%) Land $182,460 Building $464,870
2023	$2,714.00	$327,760	$398,250 Land $98,280 Building $299,970

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.07% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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