5901 Cress Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 5901 Cress Rd, Concord, NC 28025

Property Summary

Property Type	Rural Home
Details	4 bd · 1 ba · 1,974 sqft · built 1957
Lot Size	1.63 acres (71,003 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Sep 2020)
Tax Bill	$1,778 (2023)
Deeds & Mortgages	Jan 2024 Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5651 97 4783`

Property Details

APN / Parcel Number

Primary APN	`5651 97 4783`
Alternative APNs	`06012 0021.000000` `56519747920000` `140648`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,974 sqft Living Area
Gross Area	3,988 sqft
1st Floor Area	1,410 sqft
Upper Floors Area	450 sqft
Basement Area	1,410 sqft
Unfinished Basement	1,410 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	71,003 sqft (1.63 acres)
Lot Width	155 ft Width

Exterior Amenities

Porch	Slab
Porch Area	208 sqft
Deck Area	396 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	140648
Street Address	5901 CRESS RD
City	CONCORD
State	NC
Zip	28025-7319
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AO
Legal Description	LT 2 THE RITCHIE FAMILY TRUST
Legal Subdivision	ST JOHNS CHURCH
Legal Lot Number	2
Jurisdiction	CABARRUS NC
Township / Civil Division	6, RIMERTOWN
Census Block Group	2
Census Block	2004
Census Tract	40600

Owner

5901 Cress Rd, a rural home, is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5901 CRESS RD, CONCORD, NC 28025-7319
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

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Aug 18, 2020	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Sep 30, 2020	Warranty Deed, Transfer · Conventional Mortgage WHITLEY MORTGAGE ASSOCIATES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2020 · Amount on File
Deed Sale	Sep 30, 2020 · Amount on File
Deed Book / Page	14542 / 22
Prior Transfer Date	Jul 8, 2005
Prior Transfer Doc	6117156
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	5901 CRESS RD, CONCORD, NC 28025-7319
Transaction Type	Mortgage
Record Updated	Jan 31, 2024
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5901 CRESS RD, CONCORD, NC 28025-7319

Mortgage

Document Number	0016789302
Date	Jan 24, 2024
Book Page	16789/302

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	5901 CRESS RD, CONCORD, NC 28025-7319
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014420251
Date	Aug 18, 2020
Book Page	14420/251

Lender

Name	UWHARRIE BANK
Type	Bank
Address	CHARLOTTE, NC 28206

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Sep 30, 2020
Property Address	5901 CRESS RD, CONCORD, NC 28025-7319
Document Number	0001454222
Book / Page	14542 / 22
Map Reference	MB 61 PG 77
Instrument Date	Sep 30, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5901 CRESS RD, 5901, CONCORD, NC 28025-7319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5901 CRESS RD, CONCORD, NC 28025-7319

Mortgage

Document Number	0001454225
Date	Sep 30, 2020
Instrument	14542/25

Lender

Name	WHITLEY MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$288,110 (-) Land $59,310 Building $228,800
2025		$288,110 Land $59,310 Building $228,800
2024			$288,110 (+39.07%) Land $59,310 Building $228,800
2023	$1,778.00	$207,170 Land $31,220 Building $175,950	$207,170 Land $31,220 Building $175,950

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5901 Cress Rd in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 5901 Cress Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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