603 Sternbridge Dr, Concord, NC 28025 Property Records

Cabarrus County property record for 603 Sternbridge Dr, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,970 sqft · built 1998
Lot Size	1.22 acres (53,143 sqft)
Owner	Individual Name on Record
Last Sale	$411,000 (Aug 2022)
Tax Bill	$2,469 (2023)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5525 68 9044`

Property Details

APN / Parcel Number

Primary APN	`5525 68 9044`
Alternative APNs	`01027 0020.570000` `136760` `157468`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,970 sqft Living Area
Gross Area	2,370 sqft
1st Floor Area	1,970 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	53,143 sqft (1.22 acres)
Lot Dimensions	365 ft deep x 150 ft wide
Garage Type	Mixed
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	2,500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	126 sqft
Deck Area	203 sqft
Patio Area	203 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	157468
Street Address	603 STERNBRIDGE DR
City	CONCORD
State	NC
Zip	28025-6923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	LT 30 RIDGEWOOD FARMS
Legal Subdivision	RIDGEWOOD FARMS SUB
Legal Lot Number	30
Jurisdiction	CABARRUS NC
Township / Civil Division	1, HARRISBURG
Census Block Group	2
Census Block	2009
Census Tract	41507

Owner

Source: Cabarrus County records, as of May 1, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	603 STERNBRIDGE DR, CONCORD, NC 28025-6923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Aug 26, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 13, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 4, 2019	Warranty Deed, Construction Loan · Construction Mortgage FOUNDATION CREF LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Mar 13, 2020 · Amount on Record
Deed Document Number	0016176221
Deed Book / Page	16176 / 221
Record Updated	Jun 7, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	603 STERNBRIDGE DR, CONCORD, NC 28025-6923
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016057230
Date	Jun 7, 2022
Book Page	16057/230

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 26, 2022
Property Address	603 STERNBRIDGE DR, CONCORD, NC 28025-6923
Document Number	0016176221
Book / Page	16176 / 221
Map Reference	MB 17 PG 20
Instrument Date	Aug 24, 2022
Transaction Type	Transfer
Record Updated	Sep 20, 2022
Title Company	STATEWIDE TITLE COMPANY, STATEWIDE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$822.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5004 ROBERTA RD, 5004, CONCORD, NC 28027-8950

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 STEMBRIDGE DRIVE, CONCORD, NC 28025

Mortgage

Document Number	0161760223
Date	Aug 26, 2022
Instrument	16176-0223

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

March 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Mar 13, 2020
Property Address	603 STERNBRIDGE DR, CONCORD, NC 28025-6923
Document Number	0014057109
Book / Page	14057 / 109
Map Reference	MB 17 PG 20
Instrument Date	Mar 13, 2020
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5716 INDIAN BROOK DR, 5716, MATTHEWS, NC 28104-6062

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 STEMBRIDGE DRIVE, CONCORD, NC 28025

Mortgage

Document Number	0014057111
Date	Mar 13, 2020
Instrument	14057/111

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

October 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Oct 4, 2019
Property Address	603 STERNBRIDGE DR, CONCORD, NC 28025-6923
Document Number	13764217
Book / Page	013764 / 000217
Instrument Date	Oct 4, 2019
Instrument	27262
Transaction Type	Construction Loan
Record Updated	Oct 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5716 INDIAN BROOK DR MATTHEWS NC 281046062, MATTHEWS, NC 28104-6062

Mortgage

Document Number	13764220
Date	Oct 4, 2019
Book Page	013764/000220
Instrument	27263

Lender

Name	FOUNDATION CREF LLC
Address	3020 OLD RANCH PKWY # 180, SEAL BEACH, CA 90740-2799

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 3, 2020

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of January 1, 2023

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
2023	$2,469.00	$277,430 Land $50,000 Building $227,430	$277,430 Land $50,000 Building $227,430

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

Flood

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	5 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

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	0.05% annual chance
Exposure	Direct burnable vegetation

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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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