655 Central Dr NW, Concord, NC 28027 Property Records

Cabarrus County property record for 655 Central Dr NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,771 sqft · built 1935
Lot Size	0.431 acres (18,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (May 2014)
Tax Bill	$1,202 (2023)
Deeds & Mortgages	Nov 2022 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5621 01 3363`

Property Details

APN / Parcel Number

Primary APN	`5621 01 3363`
Alternative APNs	`04118 0014.000000` `94921`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,771 sqft Living Area
Gross Area	2,123 sqft
1st Floor Area	1,475 sqft
Upper Floors Area	296 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,750 sqft (0.431 acres)
Lot Dimensions	150 ft deep x 125 ft wide
Porch	Slab
Porch Area	352 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	94921
Street Address	655 CENTRAL DR NW
City	CONCORD
State	NC
Zip	28027-6059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	CENTRAL AVE
Legal Subdivision	CENTRAL DRIVE SOUTH
Jurisdiction	CABARRUS NC
Township / Civil Division	4, KANNAPOLIS
Census Block Group	1
Census Block	1018
Census Tract	41901

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	655 CENTRAL DR NW, CONCORD, NC 28027-6059
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage PRINCETON MORTGAGE CORP
Feb 13, 2020	Deed of Trust, Mortgage DIRECT HM LNS
Mar 11, 2019	Deed of Trust, Mortgage · Conventional with PMI DIRECT HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2014 · Amount on Record
Deed Sale	May 16, 2014 · Amount on Record
Deed Book / Page	10963 / 194
Prior Transfer Date	Nov 3, 2011
Prior Transfer Doc	9761000226
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	655 CENTRAL DR NW, CONCORD, NC 28027-6059
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016279298
Date	Nov 15, 2022
Book Page	16279/298

Lender

Name	PRINCETON MORTGAGE CORP
Type	Mortgage Company
Address	TRENTON, NJ 08628

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	655 CENTRAL DR NW, CONCORD, NC 28027-6059
Document Number	14009122
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 CENTRAL DR NW CONCORD NC 280276059, CONCORD, NC 28027-6059

Mortgage

Document Number	14009122
Date	Feb 19, 2020
Book Page	014009/000122
Instrument	4968

Lender

Name	DIRECT HM LNS
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	655 CENTRAL DR NW, CONCORD, NC 28027-6059
Document Number	1341580
Instrument Date	Mar 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	655 CENTRAL DR NW CONCORD NC 280276059, CONCORD, NC 28027-6059

Mortgage

Document Number	1341580
Date	Mar 15, 2019
Book Page	013415/000080
Instrument	5951

Lender

Name	DIRECT HM LNS
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28204

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2049

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		$179,990 (-) Land $68,400 Building $111,590
2025		$179,990 (+82.62%) Land $68,400 Building $111,590
2024			$179,990 (+82.62%) Land $68,400 Building $111,590
2023	$1,202.00	$98,560 Land $20,400 Building $78,160	$98,560 Land $20,400 Building $78,160

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 98.5% 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.

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 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

655 Central Dr NW, Concord, NC 28027 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Central Dr NW

Nearby Streets

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