Cabarrus County property record for 6285 Harbor Dr, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,164 sqft · built 1995 |
| Lot Size | 0.765 acres (33,300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Mar 2017) |
| Tax Bill | $1,172 (2023) |
| Deeds & Mortgages | Feb 2020 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09006A0096.000000 |
| Primary APN | 09006A0096.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,164 sqft Living Area |
| Gross Area | 4,680 sqft |
| 1st Floor Area | 2,164 sqft |
| Basement Area | 1,436 sqft |
| Unfinished Basement | 1,436 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 33,300 sqft (0.765 acres) |
| Lot Dimensions | 222 ft deep x 150 ft wide |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 180 sqft |
| Deck Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 144046 |
|---|---|
| Street Address | 6285 HARBOR DR |
| City | CONCORD |
| State | NC |
| Zip | 28025-6003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Description | LT 68 LAKE SHORE ESTATES |
| Legal Subdivision | LAKE SHORE ESTATES |
| Legal Lot Number | 68 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 9, GEORGEVILLE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 41602 |
6285 Harbor Dr is owned by two individuals who bought it in March 2017.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 172 WESTON RD, ARDEN, NC 28704-3109 |
| Owner Type | Individual |
| Vesting | Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD |
| Mar 10, 2017 | Warranty Deed, Transfer · FHA Mortgage CUNNINGHAM & CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 2017 · Amount on File |
| Deed Sale | Mar 10, 2017 · Amount on File |
| Prior Sale | Nov 23, 1994 · Amount on File |
| Deed Document Number | 201712392-0182 |
| Deed Book / Page | 12392 / 182 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 6285 HARBOR DR, CONCORD, NC 28025-6003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 14025162 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 14025/162 |
| Name | HIGHLANDS RESIDENTIAL MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Mar 10, 2017 |
| Property Address | 6285 HARBOR DR, CONCORD, NC 28025-6003 |
| Document Number | 12392182 |
| Book / Page | 012392 / 000182 |
| Instrument Date | Mar 9, 2017 |
| Instrument | 5998 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6285 HARBOR DR CONCORD NC 280256003, CONCORD, NC 28025-6003 |
| Document Number | 12392184 |
|---|---|
| Date | Mar 10, 2017 |
| Book Page | 012392/000184 |
| Instrument | 5999 |
| Name | CUNNINGHAM & CO |
|---|---|
| Address | OKLAHOMA CITY, OK 73116 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 9, 2047 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $447,210 Land $107,000 Building $340,210 | ||
| 2024 | $447,210 (+57.28%) Land $107,000 Building $340,210 | ||
| 2023 | $1,172.00 | $284,340 Land $70,000 Building $214,340 | $284,340 Land $70,000 Building $214,340 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6285 Harbor Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.
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 | 2 in force |
| Nearby Flood Claims | 2 (2018–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Nov 2020 · 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 risk around 6285 Harbor Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% 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.
Source: FCC Broadband Data Collection, based on 68 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 | 1,000 / 35 |
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