Cabarrus County property record for 604 Charles St, Kannapolis, NC 28083
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,144 sqft · built 1946 |
| Lot Size | 0.43 acres (18,696 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Jun 2017) |
| Tax Bill | $2,387 (2023) |
| Deeds & Mortgages | Sep 2021 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5613 94 0559 |
| Primary APN | 5613 94 0559 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,144 sqft Living Area |
| Gross Area | 2,330 sqft |
| 1st Floor Area | 1,358 sqft |
| Upper Floors Area | 576 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,696 sqft (0.43 acres) |
| Lot Dimensions | 152 ft deep x 123 ft wide |
| Garage Type | Mixed |
| Garage Area | 440 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,200 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 210 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 86 sqft |
| Deck Area | Deck Area |
| Patio Area | 156 sqft |
| Storage Building | 600 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 149936 |
|---|---|
| Street Address | 604 CHARLES ST |
| City | KANNAPOLIS |
| State | NC |
| Zip | 28083-5144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | LTS 7-11 KA-NO-CA PARK BLK E |
| Legal Subdivision | CAR TOWN |
| Legal Block | E |
| Legal Lot Number | 7-11 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 4, KANNAPOLIS |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 40800 |
604 Charles St is owned and occupied by two individuals who acquired it in September 2021.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 604 CHARLES ST, KANNAPOLIS, NC 28083-5144 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 24, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jun 22, 2017 | Warranty Deed, Transfer STATE EMPLOYEES CU OF MARYLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2017 · Amount on File |
| Deed Sale | Jun 22, 2017 · Amount on File |
| Prior Sale | Jan 30, 2007 · Amount on File |
| Deed Document Number | 201712548-0170 |
| Deed Book / Page | 12548 / 170 |
| Last Transfer Date | Sep 20, 2021 |
| Transfer Doc | 0001552144 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Sep 24, 2021 |
| Property Address | 604 CHARLES ST, KANNAPOLIS, NC 28083-5144 |
| Document Number | 0001552144 |
| Book / Page | 15521 / 44 |
| Map Reference | MB 5 PG 60 |
| Instrument Date | Sep 20, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 604 CHARLES ST, KANNAPOLIS, NC 28083-5144 |
| Document Number | 0001552147 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 15521/47 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jun 22, 2017 |
| Property Address | 604 CHARLES ST, KANNAPOLIS, NC 28083-5144 |
| Document Number | 0012548170 |
| Book / Page | 12548 / 0170 |
| Map Reference | MB5 PG60 |
| Instrument Date | Jun 22, 2017 |
| Instrument | 12548-0170 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 604 CHARLES ST, KANNAPOLIS, NC 28083-5144 |
| Document Number | 0125480172 |
|---|---|
| Date | Jun 22, 2017 |
| Instrument | 12548-0172 |
| Name | STATE EMPLOYEES CU OF MARYLAND |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Change Frequency | 5 Years |
| Min Rate At Change | 6% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.2% |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Kannapolis City |
| Unified School District | Kannapolis City Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $266,600 (-) Land $60,000 Building $206,600 | ||
| 2025 | $266,600 Land $60,000 Building $206,600 | ||
| 2024 | $266,600 (+39.84%) Land $60,000 Building $206,600 | ||
| 2023 | $2,387.00 | $190,640 Land $33,000 Building $157,640 | $190,640 Land $33,000 Building $157,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 604 Charles St 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 |
| Nearby Flood Policies | 2 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.
The area around 604 Charles St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 KANNAPOLIS serves 56,050 people · EPA ID NC0180065 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | E. coli resolved · Apr 2026 |
|---|---|
| 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 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 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 |
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