817 Elm St, Kannapolis, NC 28081 Property Records

Rowan County property record for 817 Elm St, Kannapolis, NC 28081

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,176 sqft · built 1930
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Nov 2023)
Tax Bill	$2,170 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148 182`

Property Details

APN / Parcel Number

Primary APN	`148 182`
Alternative APN	`6291712`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	142 ft deep x 55 ft wide
Garage Type	Detached
Porch	Porch
Porch Area	168 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	817 ELM ST
City	KANNAPOLIS
State	NC
Zip	28081-2066
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4:SINGLE
Legal Description	L50 .19AC
Legal Subdivision	KANNAPOLIS SUBDIVISION
Jurisdiction	ROWAN NC
Township / Civil Division	CHINA GROVE
Census Block Group	2
Census Block	2026
Census Tract	51501

Owner

817 Elm St is owned by an individual who bought it in November 2023.

Source: Rowan County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	164 STREAMWOOD RD, TROUTMAN, NC 28166-8825
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 29, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2023 · Amount on File
Deed Sale	Nov 29, 2023 · Amount on File
Prior Sale	Sep 29, 2008 · Amount on File
Deed Book / Page	1433 / 582
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	817 ELM ST, KANNAPOLIS, NC 28081-2066
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 ELM ST, KANNAPOLIS, NC 28081-2066

Mortgage

Document Number	0014790320
Date	Mar 19, 2026
Book Page	1479/320

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 29, 2023
Property Address	817 ELM ST, KANNAPOLIS, NC 28081-2066
Document Number	0014330582
Book / Page	1433 / 582
Map Reference	MB 9995 PG 1689
Instrument Date	Nov 29, 2023
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	309 8TH AVE NE, CONOVER, NC 28613-1796

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 STREAMWOOD RD, TROUTMAN, NC 28166-8825

Mortgage

Document Number	0001433583
Date	Nov 29, 2023
Instrument	1433/583

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 817 Elm St was $2,170.

Source: Rowan County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Rowan County
Municipality	Kannapolis City
Unified School District	Kannapolis City Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,170.00	$179,343 (-) Land $28,500 Building $150,843	$179,343 Land $28,500 Building $150,843
2025	$2,170.00	$179,343 Land $28,500 Building $150,843
2023	$2,170.00	$179,343 Land $28,500 Building $150,843	$179,343 Land $28,500 Building $150,843

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

Flood

FEMA maps place 817 Elm St in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 817 Elm St is low, with less than 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 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 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 KANNAPOLIS serves 56,050 people · EPA ID NC0180065
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Apr 2026
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 222 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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