703 Capstone Ave, Concord, NC 28025 Property Records

Cabarrus County property record for 703 Capstone Ave, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,430 sqft · built 2005
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$157,000 (Oct 2005)
Tax Bill	$2,543 (2023)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11045G0136.000000`

Property Details

APN / Parcel Number

Primary APN	`11045G0136.000000`
Alternative APNs	`5538 37 4842` `37397`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,430 sqft Living Area
Gross Area	2,810 sqft
1st Floor Area	1,025 sqft
Upper Floors Area	1,405 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	110 ft deep x 47 ft wide
Garage Type	Finished
Garage Area	380 sqft
Driveway	Driveway
Driveway Area	720 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	30 sqft
Deck Area	252 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	37397
Street Address	703 CAPSTONE AVE
City	CONCORD
State	NC
Zip	28025-7060
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CO
Legal Description	LT 136 BRANDON RIDGE PH I
Legal Subdivision	BRANDON RDG SUB PH 1
Legal Lot Number	136
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	5
Census Block	5009
Census Tract	40501

Owner

Source: Cabarrus County records, as of May 1, 2024

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	703 CAPSTONE AVE, CONCORD, NC 28025-7060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · Partial Claim Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 7, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Oct 1, 2018	Loan Modification, Mortgage · Line of Credit MIDFIRST BK
Oct 1, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2005 · Amount on Record
Deed Sale	Oct 18, 2005 · Amount on Record
Deed Document Number	0006309170
Deed Book / Page	6309 / 170
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	703 CAPSTONE AVE, CONCORD, NC 28025-7060
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 CAPSTONE AVE, CONCORD, NC 28025-7060

Mortgage

Document Number	0017748167
Date	Dec 4, 2025
Book Page	17748/167

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	478 Months
Due	Oct 1, 2065

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	703 CAPSTONE AVE, CONCORD, NC 28025-7060
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 CAPSTONE AVE, CONCORD, NC 28025-7060

Mortgage

Document Number	0015703251
Date	Dec 7, 2021
Book Page	15703/251

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2051

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CABARRUS NC
Property Address	703 CAPSTONE AVE, CONCORD, NC 28025-7060
Document Number	13253227
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Nov 15, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 CAPSTONE AVE CONCORD NC 280257060, CONCORD, NC 28025-7060

Mortgage

Document Number	13253227
Date	Nov 2, 2018
Book Page	013253/000227
Instrument	27642

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	703 CAPSTONE AVE, CONCORD, NC 28025-7060
Document Number	13245334
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Nov 7, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 CAPSTONE AVE CONCORD NC 280257060, CONCORD, NC 28025-7060

Mortgage

Document Number	13245334
Date	Oct 29, 2018
Book Page	013245/000334
Instrument	27180

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2048

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of January 1, 2023

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
2023	$2,543.00	$208,440 Land $40,000 Building $168,440	$208,440 Land $40,000 Building $168,440

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	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.

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	0.02% 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.

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 286 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
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: Verizon.

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