8712 Arbor Commons Ln, Concord, NC 28027 Property Records

Cabarrus County property record for 8712 Arbor Commons Ln, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,180 sqft · built 2006
Lot Size	2.42 acres (105,415 sqft)
Owner	Individual Name on File
Last Sale	$1,120,000 (May 2019)
Tax Bill	$9,213 (2023)
Deeds & Mortgages	Feb 2022 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03012C0001.000000`

Property Details

APN / Parcel Number

Primary APN	`03012C0001.000000`
Alternative APNs	`4681 67 5061` `129844`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,180 sqft Living Area
Gross Area	5,942 sqft
1st Floor Area	4,180 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	105,415 sqft (2.42 acres)
Lot Dimensions	347 ft deep x 274 ft wide
Garage Type	Mixed
Garage Area	742 sqft
Driveway	Concrete Driveway
Driveway Area	3,200 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Slab
Porch Area	1,020 sqft
Bath House	528 sqft
Arbor/Pergola	Arbor/Pergola

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	129844
Street Address	8712 ARBOR COMMONS LN
City	CONCORD
State	NC
Zip	28027-3575
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AO
Legal Description	LT 1 ARBOR OAKS
Legal Subdivision	ARBOR OAKS
Legal Lot Number	1
Jurisdiction	CABARRUS NC
Township / Civil Division	3, ODELL
Census Block Group	2
Census Block	2003
Census Tract	41305

Owner

8712 Arbor Commons Ln is owned and occupied by an individual who bought it in May 2019.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record	Individual Name on File
Mailing Address	8712 ARBOR COMMONS LN, CONCORD, NC 28027-3575
Occupancy	Owner Occupied
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
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage TOYOTA FINANCIAL SAVINGS BANK
May 1, 2019	Warranty Deed, Transfer HENDLEY PHYLLIS J TRUST (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2019 · Amount on File
Deed Sale	May 1, 2019 · Amount on File
Prior Sale	Oct 14, 2005 · Amount on File
Deed Book / Page	13484 / 170
Prior Transfer Date	Apr 22, 2014
Prior Transfer Doc	10958221
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	8712 ARBOR COMMONS LN, CONCORD, NC 28027-3575
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015832184
Date	Feb 7, 2022
Book Page	15832/184

Lender

Name	TOYOTA FINANCIAL SAVINGS BANK
Type	Funding / Finance Company
Address	HENDERSON, NV 89074

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 1, 2019
Property Address	8712 ARBOR COMMONS LN, CONCORD, NC 28027-3575
Document Number	13484170
Book / Page	013484 / 000170
Instrument Date	May 1, 2019
Instrument	10369
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8712 ARBOR COMMONS LN CONCORD NC 280273575, CONCORD, NC 28027-3575

Mortgage

Document Number	13484176
Date	May 1, 2019
Book Page	013484/000176
Instrument	10370

Lender

Name	HENDLEY PHYLLIS J TRUST (RT)
Address	798 BIG INDIAN LOOP, MOORESVILLE, NC 28117-9048

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 30, 2034

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		$1,589,540 (-) Land $238,420 Building $1,351,120
2025		$1,589,540 Land $238,420 Building $1,351,120
2024			$1,589,540 (+39.41%) Land $238,420 Building $1,351,120
2023	$9,213.00	$1,140,180 Land $218,550 Building $921,630	$1,140,180 Land $218,550 Building $921,630

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

Flood

FEMA maps place 8712 Arbor Commons Ln 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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 8712 Arbor Commons Ln is low, with a 0.03% annual chance of 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	0.03% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

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