Cabarrus County property record for 540 Todd Dr NE, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,378 sqft · built 1954 |
| Lot Size | 0.259 acres (11,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Feb 2023) |
| Tax Bill | $2,057 (2023) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5621 64 1307 |
| Primary APN | 5621 64 1307 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,378 sqft Living Area |
| Gross Area | 2,124 sqft |
| 1st Floor Area | 1,378 sqft |
| Basement Area | 540 sqft |
| Finished Basement | 260 sqft |
| Unfinished Basement | 280 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,250 sqft (0.259 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Driveway | Concrete Driveway |
| Driveway Area | 1,000 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 78 sqft |
| Deck Area | 104 sqft |
| Patio Area | 102 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 161460 |
|---|---|
| Street Address | 540 TODD DR NE |
| City | CONCORD |
| State | NC |
| Zip | 28025-3135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-2 |
| Legal Description | LT 159 ROCKWOOD |
| Legal Subdivision | BEVERLEY HILLS |
| Legal Lot Number | 159 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 12, CONCORD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 42300 |
540 Todd Dr NE is owned and occupied by an individual who bought it in February 2023.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 540 TODD DR NE, CONCORD, NC 28025-3135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Aug 5, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Apr 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 21, 2023 · Amount on File |
| Deed Sale | Feb 21, 2023 · Amount on File |
| Prior Sale | Apr 19, 2021 · Amount on File |
| Deed Document Number | 20233213 |
| Deed Book / Page | 16379 / 184 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Feb 21, 2023 |
| Property Address | 540 TODD DR NE, CONCORD, NC 28025-3135 |
| Document Number | 0016379184 |
| Book / Page | 16379 / 184 |
| Map Reference | MB 7 PG 80 |
| Instrument Date | Feb 21, 2023 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2023 |
| Title Company | HARBOR CITY TITLE INSURANCE AGENCY INC, HARBOR CITY TTL INS AGCY OF |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $590.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 151 WOODLAND DR SW, CONCORD, NC 28025-5817 |
| Name | Verified Name |
|---|---|
| Address | 540 TODD DR NE, CONCORD, NC 28025-3135 |
| Document Number | 0163790187 |
|---|---|
| Date | Feb 21, 2023 |
| Instrument | 16379-0187 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 540 TODD DR NE, CONCORD, NC 28025-3135 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0016146313 |
|---|---|
| Date | Aug 5, 2022 |
| Book Page | 16146/313 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Apr 19, 2021 |
| Property Address | 540 TODD DR NE, CONCORD, NC 28025-3135 |
| Document Number | 0001510250 |
| Book / Page | 15102 / 50 |
| Map Reference | MB 7 PG 80 |
| Instrument Date | Apr 19, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $446.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 TODD DR NE, CONCORD, NC 28025-3135 |
| Document Number | 0001510253 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 15102/53 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
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 | $281,860 Land $55,000 Building $226,860 | ||
| 2024 | $281,860 (+67.2%) Land $55,000 Building $226,860 | ||
| 2023 | $2,057.00 | $168,580 Land $28,000 Building $140,580 | $168,580 Land $28,000 Building $140,580 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 Todd Dr NE in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2018 · 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 540 Todd Dr NE is low, with a 0.01% 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 | 0.01% 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) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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