Cabarrus County property record for 577 Surry Trace Cir NW, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,473 sqft · built 1998 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $365,000 (Dec 2021) |
| Tax Bill | $3,564 (2023) |
| Deeds & Mortgages | Aug 2023 Line of Credit Dec 2021 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 02033F0136.000000 |
| Primary APN | 02033F0136.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,473 sqft Living Area |
| Gross Area | 3,482 sqft |
| 1st Floor Area | 2,473 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 149 ft deep x 82 ft wide |
| Garage Type | Mixed |
| Garage Area | 483 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,000 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 35 sqft |
| Patio Area | 491 sqft |
| Storage Building | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 151894 |
|---|---|
| Street Address | 577 SURRY TRACE CIR NW |
| City | CONCORD |
| State | NC |
| Zip | 28027-5220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | LT 136 GABLE OAKS |
| Legal Subdivision | GABLE OAKS |
| Legal Lot Number | 136 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 2, POPLAR TENT |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 42601 |
Source: Cabarrus County records, as of August 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 577 SURRY TRACE CIR NW, CONCORD, NC 28027-5220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 7, 2023 | Deed of Trust, Mortgage · Line of Credit TRULIANT FCU |
| Dec 17, 2021 | Commissioner's Deed, Foreclosure · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2021 · Amount on Record |
| Deed Sale | Dec 17, 2021 · Amount on Record |
| Prior Sale | Jun 25, 1999 · Amount on Record |
| Deed Book / Page | 15731 / 13 |
| Prior Transfer Date | Apr 16, 2008 |
| Prior Transfer Doc | 8183283 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 577 SURRY TRACE CIR NW, CONCORD, NC 28027-5220 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001659824 |
|---|---|
| Date | Aug 7, 2023 |
| Book Page | 16598/24 |
| Name | TRULIANT FCU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 6, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Dec 17, 2021 |
| Property Address | 577 SURRY TRACE CIR NW, CONCORD, NC 28027-5220 |
| Document Number | 0001573113 |
| Book / Page | 15731 / 13 |
| Instrument Date | Dec 13, 2021 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $730.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 6469 MOREHEAD RD, HARRISBURG, NC 28075-8487 |
| Name | Verified Name |
|---|---|
| Address | 577 SURRY TRACE CIR NW, CONCORD, NC 28027-5220 |
| Document Number | 0001573117 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 15731/17 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
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 | $457,640 (-) Land $90,000 Building $367,640 | ||
| 2025 | $457,640 (+56.66%) Land $90,000 Building $367,640 | ||
| 2024 | $457,640 (+56.66%) Land $90,000 Building $367,640 | ||
| 2023 | $3,564.00 | $292,130 Land $55,000 Building $237,130 | $292,130 Land $55,000 Building $237,130 |
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2013 · other causes |
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 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 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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