89 McCurdy St NW, Concord, NC 28027 Property Records

Cabarrus County property record for 89 McCurdy St NW, Concord, NC 28027

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,470 sqft · built 2000
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$363,000 (May 2022)
Tax Bill	$2,673 (2023)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02029B0102.400000`

Property Details

APN / Parcel Number

Primary APN	`02029B0102.400000`
Alternative APNs	`5600 19 9539` `119720` `155502` `178351`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,470 sqft Living Area
Gross Area	2,450 sqft
1st Floor Area	735 sqft
Upper Floors Area	735 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Finished
Garage Area	441 sqft
Driveway	Concrete Driveway
Driveway Area	187 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	35 sqft
Patio Area	504 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	178351
Street Address	89 MCCURDY ST NW
City	CONCORD
State	NC
Zip	28027-5323
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	TND
Legal Description	LT 102E AFTON VILLAGE
Legal Subdivision	AFTON VILLAGE
Legal Lot Number	102E
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	1
Census Block	1021
Census Tract	42501

Owner

89 McCurdy St NW, a townhouse, is owned and occupied by an individual who acquired it in May 2025.

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

Owner of Record	Individual Name on File
Mailing Address	89 MCCURDY ST NW, CONCORD, NC 28027-5323
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
May 24, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
May 25, 2019	Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK
Dec 4, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2022 · Amount on File
Deed Sale	May 24, 2022 · Amount on File
Prior Sale	Dec 4, 2017 · Amount on File
Deed Document Number	202217023
Deed Book / Page	16039 / 23
Last Transfer Date	May 30, 2025
Transfer Doc	0000011742
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 24, 2022
Property Address	89 MCCURDY ST NW, CONCORD, NC 28027-5323
Document Number	0001603923
Book / Page	16039 / 23
Map Reference	MB 37 PG 17
Instrument Date	May 23, 2022
Transaction Type	Transfer
Record Updated	Jun 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	89 MCCURDY ST NW, 89, CONCORD, NC 28027-5323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 MCCURDY ST NW, CONCORD, NC 28027-5323

Mortgage

Document Number	0160390025
Date	May 24, 2022
Instrument	16039-0025

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	89 MCCURDY ST NW, CONCORD, NC 28027-5323
Document Number	1358923
Instrument Date	May 25, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	89 MCCURDY ST NW CONCORD NC 280275323, CONCORD, NC 28027-5323

Mortgage

Document Number	1358923
Date	Jul 5, 2019
Book Page	013589/000023
Instrument	16788

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount on Record

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Dec 4, 2017
Property Address	89 MCCURDY ST NW, CONCORD, NC 28027-5323
Document Number	0012792278
Book / Page	12792 / 0278
Instrument Date	Nov 30, 2017
Instrument	12792-0278
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 COUNTRY CLUB DR, 125, WAYNESVILLE, NC 28786-4721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 MCCURDY ST NW, CONCORD, NC 28027-5323

Mortgage

Document Number	0127920280
Date	Dec 4, 2017
Instrument	12792-0280

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Change Frequency	5 Years
Min Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	10.2%

Tax Assessment & Valuation

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

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
2026		$340,750 Land $65,000 Building $275,750
2024			$340,750 (+55.51%) Land $65,000 Building $275,750
2023	$2,673.00	$219,120 Land $70,000 Building $149,120	$219,120 Land $70,000 Building $149,120

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

Flood

FEMA maps place 89 McCurdy St NW 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	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 89 McCurdy St NW is low, with 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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 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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Windstream DSL · Fiber in parts of the area	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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