55 3rd St NW, Concord, NC 28027 Property Records

Cabarrus County property record for 55 3rd St NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,161 sqft · built 1918
Lot Size	0.189 acres (8,201 sqft)
Owner	2 Individual Names on File
Last Sale	$203,000 (Mar 2023)
Tax Bill	$1,018 (2023)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5620 13 6622`

Property Details

APN / Parcel Number

Primary APN	`5620 13 6622`
Alternative APNs	`02022 0064.000000` `161991` `24117`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,161 sqft Living Area
Gross Area	1,669 sqft
1st Floor Area	1,161 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,201 sqft (0.189 acres)
Lot Dimensions	139 ft deep x 59 ft wide
Driveway	Concrete Driveway
Driveway Area	600 sqft

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Deck Area	Deck Area
Patio Area	358 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	161991
Street Address	55 3RD ST NW
City	CONCORD
State	NC
Zip	28027-6263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RV
Legal Description	LT 37 CANNON HOLDING CORP
Legal Subdivision	MISSOURI CITY
Legal Lot Number	37
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	2
Census Block	2032
Census Tract	41901

Owner

55 3rd St NW is owned and occupied by two individuals who bought it in March 2023.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55 3RD ST NW, CONCORD, NC 28027-6263
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2023 · Amount on File
Deed Sale	Mar 24, 2023 · Amount on File
Prior Sale	Feb 12, 1992 · Amount on File
Deed Document Number	20235628
Deed Book / Page	16420 / 337
Prior Transfer Date	Oct 3, 2003
Prior Transfer Doc	4982000102
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Mar 24, 2023
Property Address	55 3RD ST NW, CONCORD, NC 28027-6263
Document Number	0016420337
Book / Page	16420 / 337
Map Reference	MB 19 PG 47 DR 1
Instrument Date	Mar 24, 2023
Transaction Type	Transfer
Record Updated	Mar 31, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$406.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 BOST ST, KANNAPOLIS, NC 28081-5404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 3RD ST, CONCORD, NC 28027-6263

Mortgage

Document Number	0164200339
Date	Mar 24, 2023
Instrument	16420-0339

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2028
Min Rate At Change	3.75%
Max Rate At Change	7.4%
Index	5-Year CMT
Max Rate	11.4%

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Concord City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$199,800 Land $46,000 Building $153,800
2024			$199,800 (+131.46%) Land $46,000 Building $153,800
2023	$1,018.00	$86,320 Land $24,000 Building $62,320	$86,320 Land $24,000 Building $62,320

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 55 3rd St NW in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 1, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 55 3rd St NW 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20