604 Willow Ln, Harrisburg, NC 28075 Property Records

Cabarrus County property record for 604 Willow Ln, Harrisburg, NC 28075

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,884 sqft · built 1988
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Jun 2022)
Tax Bill	$2,570 (2023)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01015B0058.000000`

Property Details

APN / Parcel Number

Primary APN	`01015B0058.000000`
Alternative APNs	`5507 37 6542` `155887` `81778`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,884 sqft Living Area
Gross Area	3,468 sqft
1st Floor Area	1,884 sqft
Sunroom	Sunroom
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2003
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	160 ft deep x 125 ft wide
Garage Type	Mixed
Garage Area	480 sqft
Driveway	Concrete Driveway
Driveway Area	800 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	84 sqft
Deck Area	98 sqft
Patio Area	830 sqft
Shed	1 Shed
Shed Area	288 sqft
Storage Building	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	155887
Street Address	604 WILLOW LN
City	HARRISBURG
State	NC
Zip	28075-9469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	EAST SIDE WILLOW LN
Legal Subdivision	WHITEFIELD MANOR
Jurisdiction	CABARRUS NC
Township / Civil Division	1, HARRISBURG
Census Block Group	2
Census Block	2001
Census Tract	42604

Owner

604 Willow Ln is owned and occupied by two individuals who bought it in June 2022.

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 WILLOW LN, HARRISBURG, NC 28075-9469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2022 · Amount on File
Deed Sale	Jun 13, 2022 · Amount on File
Prior Sale	Aug 2, 2011 · Amount on File
Deed Document Number	202218828
Deed Book / Page	16067 / 11
Prior Transfer Date	Aug 25, 2004
Prior Transfer Doc	5537000331
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 13, 2022
Property Address	604 WILLOW LN, HARRISBURG, NC 28075-9469
Document Number	0001606711
Book / Page	16067 / 11
Instrument Date	Jun 9, 2022
Transaction Type	Transfer
Record Updated	Jun 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 WILLOW LN, HARRISBURG, NC 28075-9469

Mortgage

Document Number	0160670014
Date	Jun 13, 2022
Instrument	16067-0014

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 5, 2029
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	12-Month MTA
Max Rate	11.2%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$404,000 Land $66,000 Building $338,000
2024			$404,000 (+71.57%) Land $66,000 Building $338,000
2023	$2,570.00	$235,470 Land $45,000 Building $190,470	$235,470 Land $45,000 Building $190,470

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

Flood

FEMA maps place 604 Willow Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.

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	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

Wildfire risk around 604 Willow Ln is low, with a 0.02% annual chance of wildfire.

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	0.02% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 175 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20