Cabarrus County property record for 6401 Harbor Dr, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,081 sqft · built 2002 |
| Lot Size | 2.2 acres (95,832 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $368,000 (Aug 2015) |
| Tax Bill | $3,308 (2023) |
| Deeds & Mortgages | Mar 2018 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09006A0003.000000 |
| Primary APN | 09006A0003.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,081 sqft Living Area |
| Gross Area | 4,322 sqft |
| 1st Floor Area | 2,631 sqft |
| Upper Floors Area | 450 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 95,832 sqft (2.2 acres) |
| Lot Dimensions | 208 ft deep x 427 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,080 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 3,230 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 451 sqft |
| Deck Area | 190 sqft |
| Patio Area | 190 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 102856 |
|---|---|
| Street Address | 6401 HARBOR DR |
| City | CONCORD |
| State | NC |
| Zip | 28025-9491 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Description | LTS 25-26 LAKE SHORE EST SEC 2 |
| Legal Subdivision | LAKE SHORE EST |
| Legal Lot Number | 25-26 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 9, GEORGEVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 41602 |
Source: Cabarrus County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6401 HARBOR DR, CONCORD, NC 28025-9491 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 5, 2018 | Deed of Trust, Mortgage · ARM TOWNEBANK |
| Oct 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP |
| Jan 7, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Oct 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MCLEAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2015 · Amount on Record |
| Deed Sale | Aug 3, 2015 · Amount on Record |
| Prior Sale | Apr 19, 2002 · Amount on Record |
| Deed Book / Page | 11529 / 164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 6401 HARBOR DR, CONCORD, NC 28025-9491 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0012903307 |
|---|---|
| Date | Mar 5, 2018 |
| Book Page | 12903/0307 |
| Name | TOWNEBANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28277 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Feb 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 6401 HARBOR DR, CONCORD, NC 28025-9491 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0013798200 |
|---|---|
| Date | Oct 23, 2019 |
| Book Page | 13798/0200 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 6401 HARBOR DR, CONCORD, NC 28025-9491 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | CORPORATE SETTLEMENT SLN |
| Name | Verified Name |
|---|
| Document Number | 0014811276 |
|---|---|
| Date | Jan 7, 2021 |
| Book Page | 14811/276 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | MATTHEWS, NC 28105 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 2, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 6401 HARBOR DR, CONCORD, NC 28025-9491 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0014598307 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | 14598/307 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
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 | $679,450 (+70.91%) Land $198,000 Building $481,450 | ||
| 2024 | $679,450 (+70.91%) Land $198,000 Building $481,450 | ||
| 2023 | $3,308.00 | $397,540 Land $90,000 Building $307,540 | $397,540 Land $90,000 Building $307,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.01% 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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