620 Hermitage Dr SE, Concord, NC 28025 Property Records

Cabarrus County property record for 620 Hermitage Dr SE, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 5,003 sqft · built 1998
Lot Size	0.548 acres (23,871 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Oct 2020)
Tax Bill	$7,158 (2023)
Deeds & Mortgages	Jan 2024 Line of Credit Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5630 44 5482`

Property Details

APN / Parcel Number

Primary APN	`5630 44 5482`
Alternative APNs	`12042 0016.000000` `82097`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	5,003 sqft Living Area
Gross Area	6,866 sqft
1st Floor Area	3,006 sqft
Upper Floors Area	1,997 sqft
Basement Area	431 sqft
Unfinished Basement	431 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	23,871 sqft (0.548 acres)
Lot Dimensions	200 ft deep x 171 ft wide
Garage Type	Mixed
Garage Area	816 sqft
Driveway	Concrete Driveway
Driveway Area	3,100 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	82097
Street Address	620 HERMITAGE DR SE
City	CONCORD
State	NC
Zip	28025-3704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-1
Legal Description	P/O LT 9 WINECOFF HILLS
Legal Subdivision	R BROWN MCALLISTER SCHOOL
Legal Lot Number	9
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	1
Census Block	1007
Census Tract	42202

Owner

620 Hermitage Dr SE is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	620 HERMITAGE DR SE, CONCORD, NC 28025-3704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 8, 2024	Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU
Jul 31, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK
Oct 7, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2020 · Amount on File
Deed Sale	Oct 7, 2020 · Amount on File
Prior Sale	Jul 15, 1997 · Amount on File
Deed Book / Page	14561 / 257
Prior Transfer Date	Jul 29, 2003
Prior Transfer Doc	4724000015
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	620 HERMITAGE DR SE, CONCORD, NC 28025-3704
Transaction Type	Mortgage
Record Updated	Jan 18, 2024
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016773177
Date	Jan 8, 2024
Book Page	16773/177

Lender

Name	USALLIANCE FCU
Type	Credit Union
Address	CHELMSFORD, MA 01824

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	620 HERMITAGE DR SE, CONCORD, NC 28025-3704
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013632240
Date	Jul 31, 2019
Book Page	13632/0240

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2049

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Oct 7, 2020
Property Address	620 HERMITAGE DR SE, CONCORD, NC 28025-3704
Document Number	0014561257
Book / Page	14561 / 257
Map Reference	MB 12 PG 14
Instrument Date	Oct 7, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	590 SEDGEFIELD ST SW, 590, CONCORD, NC 28025-5614

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 HERMITAGE DR SE, CONCORD, NC 28025-3704

Mortgage

Document Number	0014561259
Date	Oct 7, 2020
Instrument	14561/259

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 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
Municipality	Concord City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$851,800 Land $157,700 Building $694,100
2024			$851,800 (+45.17%) Land $157,700 Building $694,100
2023	$7,158.00	$586,750 Land $104,500 Building $482,250	$586,750 Land $104,500 Building $482,250

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

Flood

FEMA maps place 620 Hermitage Dr SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 1, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 620 Hermitage Dr SE is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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