848 Saint Andrews Pl, Concord, NC 28025 Property Records

Cabarrus County property record for 848 Saint Andrews Pl, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1999
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on Record
Last Sale	$238,000 (Apr 2021)
Tax Bill	$1,296 (2023)
Deeds & Mortgages	Jan 2017 Line of Credit Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11045D0033.000000`

Property Details

APN / Parcel Number

Primary APN	`11045D0033.000000`
Alternative APNs	`5538 47 4477` `120563` `125077`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	1,400 sqft
1st Floor Area	1,176 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	110 ft deep x 67 ft wide
Driveway	Concrete Driveway
Driveway Area	500 sqft

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Deck Area	144 sqft
Patio Area	144 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	125077
Street Address	848 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 33 ST ANDREWS
Legal Subdivision	ST ANDREWS PLACE BRAXT
Legal Lot Number	33
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 October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 31236, SALT LAKE CITY, UT 84131-0236
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 20, 2021	Warranty Deed, Transfer
Jan 17, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 25, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2021 · Amount on Record
Deed Sale	Apr 20, 2021 · Amount on Record
Prior Sale	Jan 17, 2018 · Amount on Record
Deed Document Number	202117052
Deed Book / Page	15103 / 284
Prior Transfer Date	May 6, 2011
Prior Transfer Doc	0000095708
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	848 SAINT ANDREWS PL, CONCORD, NC 28025-8525
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012315214
Date	Jan 11, 2017
Book Page	12315/0214
Instrument	12315-0214

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 25, 2046

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	848 SAINT ANDREWS PL, CONCORD, NC 28025-8525
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014028282
Date	Feb 28, 2020
Book Page	14028/282

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2040

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Apr 20, 2021
Property Address	848 SAINT ANDREWS PL, CONCORD, NC 28025-8525
Document Number	15103284
Book / Page	15103 / 284
Map Reference	MB 32 PG 44
Instrument Date	Apr 19, 2021
Transaction Type	Transfer
Record Updated	May 10, 2021

Transaction

Amount	Amount Recorded
Tax	$476.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11208 BRYTON PKWY APT 12306, 11208, HUNTERSVILLE, NC 28078-3814

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 17, 2018
Property Address	848 SAINT ANDREWS PL, CONCORD, NC 28025-8525
Document Number	0012846125
Book / Page	12846 / 0125
Map Reference	MB32 PG44
Instrument Date	Jan 17, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3913 BELK MILL RD, 3913, WINGATE, NC 28174-8761

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	848 SAINT ANDREWS PL, CONCORD, NC 28025-8525

Mortgage

Document Number	0012846127
Date	Jan 17, 2018
Instrument	12846/127

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Mortgage

Document Number	0012846147
Date	Jan 17, 2018
Book Page	12846/0147

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Amount	Amount Recorded

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jul 25, 2017
Property Address	848 SAINT ANDREWS PL, CONCORD, NC 28025-8525
Document Number	0012596250
Book / Page	12596 / 0250
Map Reference	MB32 PG44
Instrument Date	Jun 30, 2017
Instrument	12596-0250
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	848 SAINT ANDREWS PL, CONCORD, NC 28025-8525

Mortgage

Document Number	0125960252
Date	Jul 25, 2017
Instrument	12596-0252

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	9.75%

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		$268,580 (+71.99%) Land $61,000 Building $207,580
2024			$268,580 (+71.99%) Land $61,000 Building $207,580
2023	$1,296.00	$156,160 Land $40,000 Building $116,160	$156,160 Land $40,000 Building $116,160

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 · 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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