Cabarrus County property record for 540 Harvell Dr, Concord, NC 28025
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 2,001 sqft · built 1966 |
| Lot Size | 2.3 acres (100,188 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $353,000 (Oct 2022) |
| Tax Bill | $1,493 (2023) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Nov 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5536 26 3536 |
| Primary APN | 5536 26 3536 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,001 sqft Living Area |
| Gross Area | 3,740 sqft |
| 1st Floor Area | 1,421 sqft |
| Basement Area | 841 sqft |
| Unfinished Basement | 841 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 100,188 sqft (2.3 acres) |
| Lot Width | 150 ft Width |
| Garage Type | Mixed |
| Garage Area | 580 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 126 sqft |
| Deck Area | 192 sqft |
| Storage Building | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 158616 |
|---|---|
| Street Address | 540 HARVELL DR |
| City | CONCORD |
| State | NC |
| Zip | 28025-8144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | CR |
| Legal Description | WEST SIDE HARVELL DR |
| Legal Subdivision | FLOWE FARM |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 1, HARRISBURG |
| Census Block Group | 1 |
| Census Block | 1086 |
| Census Tract | 41503 |
Source: Cabarrus County records, as of September 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 540 HARVELL DR, CONCORD, NC 28025-8144 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 13, 2022 | Warranty Deed, Transfer · Loan Assumption LOCAL GOVERNMENT FCU |
| Nov 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Oct 19, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Jun 5, 2018 | Deed of Trust, Mortgage · Line of Credit LOCAL GOV'T EMPS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2022 · Amount on Record |
| Deed Sale | Oct 13, 2022 · Amount on Record |
| Prior Sale | Feb 5, 2016 · Amount on Record |
| Deed Document Number | 202230142 |
| Deed Book / Page | 16242 / 26 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Oct 13, 2022 |
| Property Address | 540 HARVELL DR, CONCORD, NC 28025-8144 |
| Document Number | 0001624226 |
| Book / Page | 16242 / 26 |
| Instrument Date | Oct 13, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2022 |
| Title Company | ATLANTIC CAROLINAS TITLE LLC, ATLANTIC CAROLINAS TITLE LCL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $706.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 151 LAKESIDE PARK RD, 151, FRANKLINVILLE, NC 27248-8582 |
| Name | Verified Name |
|---|---|
| Address | 540 HARVELL DR, CONCORD, NC 28025-8144 |
| Document Number | 0162420029 |
|---|---|
| Date | Oct 13, 2022 |
| Instrument | 16242-0029 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Type | Loan Assumption |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.2% |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6.2% |
| Index | 1-Year LIBOR |
| Margin | 2 |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 540 HARVELL DR, CONCORD, NC 28025-8144 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1562617 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 15626/17 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 540 HARVELL DR, CONCORD, NC 28025-8144 |
| Document Number | 13951161 |
| Instrument Date | Jan 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 540 HARVELL DR CONCORD NC 280258144, CONCORD, NC 28025-8144 |
| Document Number | 13951161 |
|---|---|
| Date | Jan 15, 2020 |
| Book Page | 013951/000161 |
| Instrument | 1479 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 14, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 540 HARVELL DR, CONCORD, NC 28025-8144 |
| Document Number | 1323911 |
| Instrument Date | Oct 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 540 HARVELL DR CONCORD NC 280258144, CONCORD, NC 28025-8144 |
| Document Number | 1323911 |
|---|---|
| Date | Oct 23, 2018 |
| Book Page | 013239/000011 |
| Instrument | 26717 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Oct 22, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 540 HARVELL DR, CONCORD, NC 28025-8144 |
| Document Number | 13036138 |
| Instrument Date | Jun 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Document Number | 13036138 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | 013036/000138 |
| Instrument | 13736 |
| Name | LOCAL GOV'T EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | HARRISBURG, NC 28075 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $298,880 (-) Land $82,230 Building $216,650 | ||
| 2025 | $298,880 (+68.2%) Land $82,230 Building $216,650 | ||
| 2024 | $298,880 (+68.2%) Land $82,230 Building $216,650 | ||
| 2023 | $1,493.00 | $177,690 Land $48,590 Building $129,100 | $177,690 Land $48,590 Building $129,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 28 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 7 (2008–2024) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Windstream DSL | 100 / 20 |
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