Cabarrus County property record for 654 Main St SW, Concord, NC 28027
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 885 sqft · built 1940 |
| Lot Size | 0.251 acres (10,915 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $193,000 (May 2026) |
| Tax Bill | $956 (2023) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5529 59 9200 |
| Primary APN | 5529 59 9200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 885 sqft Living Area |
| Gross Area | 990 sqft |
| 1st Floor Area | 885 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,915 sqft (0.251 acres) |
| Lot Dimensions | 185 ft deep x 59 ft wide |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 129631 |
|---|---|
| Street Address | 654 MAIN ST SW |
| City | CONCORD |
| State | NC |
| Zip | 28027-6406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | LT 45 CANNON HOLDING CORP |
| Legal Subdivision | HARTSELL SCHOOL |
| Legal Lot Number | 45 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 11, CENTRAL CABARRUS |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 42101 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 654 MAIN ST SW, CONCORD, NC 28027-6406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| May 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| May 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Apr 1, 2019 | Warranty Deed, Transfer · Conventional Mortgage ALLEN TATE MORTGAGE PARTNERS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2026 · Amount on Record |
| Deed Sale | May 22, 2026 · Amount on Record |
| Prior Sale | Apr 1, 2019 · Amount on Record |
| Deed Document Number | 202612063 |
| Deed Book / Page | 18003 / 338 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | May 22, 2026 |
| Property Address | 654 MAIN ST SW, CONCORD, NC 28027-6406 |
| Document Number | 0018003338 |
| Book / Page | 18003 / 338 |
| Instrument Date | May 21, 2026 |
| Instrument | 202612063 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | INTEGRATED TITLE INSURANCE SERVICES LLC, INTEGRATED TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $38,986.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 654 MAIN ST SW, CONCORD, NC 28027-6406 |
| Document Number | 0000012064, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202612064 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | May 22, 2026 |
| Property Address | 654 MAIN ST SW, CONCORD, NC 28027-6406 |
| Document Number | 0000012063 |
| Book / Page | 18003 / 338 |
| Instrument Date | May 21, 2026 |
| Instrument | 202612063 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | INTEGRA TITLE SERVICES LLC, INTEGRATED TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $38,986.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 654 MAIN ST SW, CONCORD, NC 28027-6406 |
| Document Number | 0000012064, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202612064 |
| Name | MOVEMENT MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Apr 1, 2019 |
| Property Address | 654 MAIN ST SW, CONCORD, NC 28027-6406 |
| Document Number | 0013440304 |
| Book / Page | 13440 / 0304 |
| Map Reference | MB 19 PG 55 MAP 5 |
| Instrument Date | Apr 1, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4805 COLD SPRINGS RD S, 4805, CONCORD, NC 28025-7689 |
| Name | Verified Name |
|---|---|
| Address | 654 MAIN ST SW, CONCORD, NC 28027-6406 |
| Document Number | 0013440307 |
|---|---|
| Date | Apr 1, 2019 |
| Instrument | 13440/307 |
| Name | ALLEN TATE MORTGAGE PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $154,950 (-) Land $48,000 Building $106,950 | ||
| 2025 | $154,950 (+92.65%) Land $48,000 Building $106,950 | ||
| 2024 | $154,950 (+92.65%) Land $48,000 Building $106,950 | ||
| 2023 | $956.00 | $80,430 Land $15,000 Building $65,430 | $80,430 Land $15,000 Building $65,430 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 1 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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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