970 Ben Black Rd, Midland, NC 28107 Property Records

Cabarrus County property record for 970 Ben Black Rd, Midland, NC 28107

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 4,020 sqft · built 2006
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$577,000 (Jul 2017)
Tax Bill	$4,980 (2023)
Deeds & Mortgages	Sep 2020 Sale Feb 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5533 45 6976`

Property Details

APN / Parcel Number

Primary APN	`5533 45 6976`
Alternative APNs	`10025 0027.150000` `117102`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,020 sqft Living Area
Gross Area	7,659 sqft
1st Floor Area	3,420 sqft
Upper Floors Area	600 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)
Lot Width	200 ft Width
Garage Type	Mixed
Garage Area	2,012 sqft
Driveway	Concrete Driveway
Driveway Area	3,600 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	780 sqft
Porch	Slab
Porch Area	412 sqft
Patio Area	143 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	117102
Street Address	970 BEN BLACK RD
City	MIDLAND
State	NC
Zip	28107-9218
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CR
Legal Description	P/O TRACT 3 COY L MCMANUS
Legal Subdivision	BETHEL ELEMENTARY SCHOOL
Legal Tract	3
Jurisdiction	CABARRUS NC
Township / Civil Division	10, MIDLAND
Census Block Group	2
Census Block	2067
Census Tract	41603

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	2 Individual Names on Record
Mailing Address	970 BEN BLACK RD, MIDLAND, NC 28107-9218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Feb 5, 2020	Deed of Trust, Mortgage · Line of Credit PINNACLE BK
Nov 1, 2019	Deed of Trust, Mortgage PINNACLE BK
Jul 20, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF NC
Jul 24, 2017	Warranty Deed, Transfer · Conventional Mortgage CUNNINGHAM & CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2017 · Amount on Record
Deed Sale	Jul 24, 2017 · Amount on Record
Prior Sale	Apr 7, 2015 · Amount on Record
Deed Document Number	201712593-0330
Deed Book / Page	12593 / 330
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Sep 29, 2020
Property Address	970 BEN BLACK RD, MIDLAND, NC 28107-9218
Document Number	14531121
Book / Page	014531 / 000121
Instrument Date	Sep 28, 2020
Instrument	33155
Transaction Type	Transfer
Record Updated	Oct 12, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	970 BEN BLACK RD MIDLAND NC 281079218, MIDLAND, NC 28107-9218

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	970 BEN BLACK RD, MIDLAND, NC 28107-9218
Document Number	1400015
Instrument Date	Feb 5, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	970 BEN BLACK RD MIDLAND NC 281079218, MIDLAND, NC 28107-9218

Mortgage

Document Number	1400015
Date	Feb 13, 2020
Book Page	014000/000015
Instrument	4450

Lender

Name	PINNACLE BK
Type	Bank
Address	CHARLOTTE, NC 28210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 12, 2040

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	970 BEN BLACK RD, MIDLAND, NC 28107-9218
Document Number	13825174
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	970 BEN BLACK RD MIDLAND NC 281079218, MIDLAND, NC 28107-9218

Mortgage

Document Number	13825174
Date	Nov 5, 2019
Book Page	013825/000174
Instrument	30808

Lender

Name	PINNACLE BK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	970 BEN BLACK RD, MIDLAND, NC 28107-9218
Document Number	12593342
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8487 TWICKENHAM TER HARRISBURG NC 280755101, HARRISBURG, NC 28075-5101

Mortgage

Document Number	12593342
Date	Jul 24, 2017
Book Page	012593/000342
Instrument	18680

Lender

Name	BANK OF NC
Type	Bank
Address	THOMASVILLE, NC 27361-1148

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jul 24, 2017
Property Address	970 BEN BLACK RD, MIDLAND, NC 28107-9218
Document Number	12593330
Book / Page	012593 / 000330
Instrument Date	Jul 7, 2017
Instrument	18678
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,154.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	970 BEN BLACK RD MIDLAND NC 281079218, MIDLAND, NC 28107-9218

Mortgage

Document Number	12593332
Date	Jul 24, 2017
Book Page	012593/000332
Instrument	18679

Lender

Name	CUNNINGHAM & CO
Address	OKLAHOMA CITY, OK 73116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2047

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		$955,290 (+61.13%) Land $51,830 Building $903,460
2024			$955,290 (+61.13%) Land $51,830 Building $903,460
2023	$4,980.00	$592,860 Land $25,920 Building $566,940	$592,860 Land $25,920 Building $566,940

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	4 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

970 Ben Black Rd, Midland, NC 28107 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2020: Warranty Deed, Transfer

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Ben Black Rd

Nearby Streets

Search Property Records by Address or Parcel Number