649 Chadbourne Ave NW, Concord, NC 28027 Property Records

Cabarrus County property record for 649 Chadbourne Ave NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,832 sqft · built 1984
Lot Size	1.44 acres (62,775 sqft)
Owner	2 Individual Names on Record
Last Sale	$581,000 (Jul 2023)
Tax Bill	$3,911 (2023)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5611 32 8679`

Property Details

APN / Parcel Number

Primary APN	`5611 32 8679`
Alternative APNs	`02009 0027.000000` `164121` `52586`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,832 sqft Living Area
Gross Area	4,340 sqft
1st Floor Area	1,197 sqft
Upper Floors Area	1,635 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2009
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	62,775 sqft (1.44 acres)
Lot Dimensions	279 ft deep x 225 ft wide
Garage Type	Mixed
Garage Area	676 sqft
Driveway	Concrete Driveway
Driveway Area	2,950 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	468 sqft
Deck Area	406 sqft
Patio Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	164121
Street Address	649 CHADBOURNE AVE NW
City	CONCORD
State	NC
Zip	28027-7622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	LT 24 ZEMOSA ACRES PH II
Legal Subdivision	ZEMOSA ACRES
Legal Lot Number	24
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	2
Census Block	2012
Census Tract	42501

Owner

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	649 CHADBOURNE AVE NW, CONCORD, NC 28027-7622
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HOME LENDING INC
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HOME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2023 · Amount on Record
Deed Sale	Jul 13, 2023 · Amount on Record
Prior Sale	Dec 29, 2022 · Amount on Record
Deed Document Number	202314358
Deed Book / Page	16568 / 111
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jul 13, 2023
Property Address	649 CHADBOURNE AVE NW, CONCORD, NC 28027-7622
Document Number	0016568111
Book / Page	16568 / 111
Map Reference	MB 19 PG 45
Instrument Date	Jul 6, 2023
Transaction Type	Transfer
Record Updated	Jul 26, 2023
Title Company	MASTERS TITLE AGENCY INC, MASTER TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,162.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	437 CANFIELD HOLW, ELDRED, PA 16731-3319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 CHADBOUME AVENUE NW, CONCORD, NC 28027

Mortgage

Document Number	0165680113
Date	Jul 13, 2023
Instrument	16568-0113

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	649 CHADBOURNE AVE NW, CONCORD, NC 28027-7622
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016206150
Date	Sep 16, 2022
Book Page	16206/150

Lender

Name	MILLENNIAL HOME LENDING INC
Type	Mortgage Company
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	228 Months
Due	Sep 1, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	649 CHADBOURNE AVE NW, CONCORD, NC 28027-7622
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001542652
Date	Aug 20, 2021
Book Page	15426/52

Lender

Name	MILLENNIAL HOME LENDING INC
Type	Mortgage Company
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2041

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		$573,300 (+78.83%) Land $115,000 Building $458,300
2024			$573,300 (+78.83%) Land $115,000 Building $458,300
2023	$3,911.00	$320,580 Land $75,000 Building $245,580	$320,580 Land $75,000 Building $245,580

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

Flood

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	3 in force

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

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	0.04% 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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