Cabarrus County property record for 5524 Carving Tree Dr, Harrisburg, NC 28075
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,168 sqft · built 1991 |
| Lot Size | 0.419 acres (18,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $302,000 (Dec 2022) |
| Tax Bill | $1,825 (2023) |
| Deeds & Mortgages | Oct 2025 Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01015A0014.000000 |
| Primary APN | 01015A0014.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,168 sqft Living Area |
| Gross Area | 1,584 sqft |
| 1st Floor Area | 1,168 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,250 sqft (0.419 acres) |
| Lot Dimensions | 365 ft deep x 50 ft wide |
| Garage Type | Mixed |
| Garage Area | 248 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 2,000 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
|---|---|
| Porch Area | 168 sqft |
| Patio Area | 120 sqft |
| Storage Building | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 77690 |
|---|---|
| Street Address | 5524 CARVING TREE DR |
| City | HARRISBURG |
| State | NC |
| Zip | 28075-5018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL |
| Legal Description | LT 14 TIMBER FOREST |
| Legal Subdivision | TIMBER FOREST |
| Legal Lot Number | 14 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 1, HARRISBURG |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 42604 |
5524 Carving Tree Dr is owned and occupied by an individual who bought it in December 2022.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5524 CARVING TREE DR, HARRISBURG, NC 28075-5018 |
| 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 |
|---|---|
| Oct 3, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 9, 2022 | Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2022 · Amount on File |
| Deed Sale | Dec 9, 2022 · Amount on File |
| Prior Sale | Aug 23, 2000 · Amount on File |
| Deed Document Number | 202234296 |
| Deed Book / Page | 16306 / 244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 5524 CARVING TREE DR, HARRISBURG, NC 28075-5018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0017649283 |
|---|---|
| Date | Oct 3, 2025 |
| Book Page | 17649/283 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Dec 9, 2022 |
| Property Address | 5524 CARVING TREE DR, HARRISBURG, NC 28075-5018 |
| Document Number | 0016306244 |
| Book / Page | 16306 / 244 |
| Map Reference | MB 16 PG 48 |
| Instrument Date | Oct 26, 2022 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $604.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5121 W AMBERMONT DR, HERRIMAN, UT 84096-3899 |
| Name | Verified Name |
|---|---|
| Address | 5524 CARVING TREE DR, HARRISBURG, NC 28075-5018 |
| Document Number | 0163060247 |
|---|---|
| Date | Dec 9, 2022 |
| Instrument | 16306-0247 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Harrisburg Town |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $292,360 Land $73,000 Building $219,360 | ||
| 2024 | $292,360 (+83.4%) Land $73,000 Building $219,360 | ||
| 2023 | $1,825.00 | $159,410 Land $45,000 Building $114,410 | $159,410 Land $45,000 Building $114,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5524 Carving Tree Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2020–2024) |
| Most Recent Claim | Jan 2024 · river or lake flooding |
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 5524 Carving Tree Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | TOWN OF HARRISBURG serves 20,549 people · EPA ID NC0113025 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2021 |
|---|---|
| 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 168 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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