Cabarrus County property record for 6430 Harbor Dr, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,214 sqft · built 1984 |
| Lot Size | 1.53 acres (66,647 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $328,000 (Jan 2020) |
| Tax Bill | $2,187 (2023) |
| Deeds & Mortgages | Nov 2021 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09006A0020.000000 |
| Primary APN | 09006A0020.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,214 sqft Living Area |
| Gross Area | 3,728 sqft |
| 1st Floor Area | 2,214 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 66,647 sqft (1.53 acres) |
| Lot Dimensions | 259 ft deep x 255 ft wide |
| Garage Type | Mixed |
| Garage Area | 714 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 4,578 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 16 sqft |
| Patio Area | 584 sqft |
| Storage Building | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 135998 |
|---|---|
| Street Address | 6430 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 27 & REAR LAKE SHORE ESTATES |
| Legal Subdivision | REAR LAKE SHORE ESTATES |
| Legal Lot Number | 27 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 9, GEORGEVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 41602 |
6430 Harbor Dr is owned and occupied by two individuals who bought it in January 2020.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6430 HARBOR DR, CONCORD, NC 28025-9491 |
| 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.
| Date | Document |
|---|---|
| Nov 5, 2021 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Sep 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK |
| Jan 31, 2020 | Warranty Deed, Transfer · Conventional Mortgage COGENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2020 · Amount on File |
| Deed Sale | Jan 31, 2020 · Amount on File |
| Prior Sale | Apr 15, 1982 · Amount on File |
| Deed Book / Page | 13979 / 227 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 6430 HARBOR DR, CONCORD, NC 28025-9491 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 6430 HARBOR DR, CONCORD, NC 28025-9491 |
| Document Number | 0001563530 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 15635/30 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | LOCUST, NC 28097 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 6430 HARBOR DR, CONCORD, NC 28025-9491 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0014524318 |
|---|---|
| Date | Sep 25, 2020 |
| Book Page | 14524/318 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jan 31, 2020 |
| Property Address | 6430 HARBOR DR, CONCORD, NC 28025-9491 |
| Document Number | 0013979227 |
| Book / Page | 13979 / 0227 |
| Map Reference | MB 19 PG 7 |
| Instrument Date | Jan 31, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $656.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1610 WINDSOR RUN LN # LN109, 1610, MATTHEWS, NC 28105-0072 |
| Name | Verified Name |
|---|---|
| Address | 6430 HARBOR DR, CONCORD, NC 28025-9491 |
| Document Number | 0013979230 |
|---|---|
| Date | Jan 31, 2020 |
| Instrument | 13979/230 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 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 | $411,260 Land $107,000 Building $304,260 | ||
| 2024 | $411,260 (+56.47%) Land $107,000 Building $304,260 | ||
| 2023 | $2,187.00 | $262,830 Land $70,000 Building $192,830 | $262,830 Land $70,000 Building $192,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6430 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 6430 Harbor Dr is low, with 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 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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