831 Saint Andrews Pl, Concord, NC 28025 Property Records

Cabarrus County property record for 831 Saint Andrews Pl, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,752 sqft · built 1999
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (May 2021)
Tax Bill	$1,625 (2023)
Deeds & Mortgages	Aug 2023 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11045D0038.000000`

Property Details

APN / Parcel Number

Primary APN	`11045D0038.000000`
Alternative APNs	`5538 47 5116` `146220` `87129`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,752 sqft Living Area
Gross Area	2,436 sqft
1st Floor Area	870 sqft
Upper Floors Area	882 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	138 ft deep x 76 ft wide
Garage Type	Mixed
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	1,156 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	12 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	146220
Street Address	831 SAINT ANDREWS PL
City	CONCORD
State	NC
Zip	28025-8525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LT 38 ST ANDREWS PLACE
Legal Subdivision	ST ANDREWS PLACE BRAXT
Legal Lot Number	38
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	5
Census Block	5000
Census Tract	40501

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	Individual Name on Record
Mailing Address	831 SAINT ANDREWS PL, CONCORD, NC 28025-8525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
May 7, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Nov 1, 2012 · Amount on Record
Deed Book / Page	15156 / 51
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	831 SAINT ANDREWS PL, CONCORD, NC 28025-8525
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	SERVICELINK PITTSBURGH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 SAINT ANDREWS PL, CONCORD, NC 28025-8525

Mortgage

Document Number	0016591349
Date	Aug 1, 2023
Book Page	16591/349

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jul 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 7, 2021
Property Address	831 SAINT ANDREWS PL, CONCORD, NC 28025-8525
Document Number	0001515651
Book / Page	15156 / 51
Map Reference	MB32 PG44
Instrument Date	May 7, 2021
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1087 LONGVIEW DR, 1087, NEW LONDON, NC 28127-8734

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 SAINT ANDREWS PL, CONCORD, NC 28025-8525

Mortgage

Document Number	0001515653
Date	May 7, 2021
Instrument	15156/53

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$314,240 (+60.55%) Land $61,000 Building $253,240
2024			$314,240 (+60.55%) Land $61,000 Building $253,240
2023	$1,625.00	$195,730 Land $40,000 Building $155,730	$195,730 Land $40,000 Building $155,730

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 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% 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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