974 Pointe Andrews Dr, Concord, NC 28025 Property Records

Cabarrus County property record for 974 Pointe Andrews Dr, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,064 sqft · built 2012
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Apr 2016)
Tax Bill	$2,544 (2023)
Deeds & Mortgages	Jun 2024 Line of Credit Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01006D0008.000000`

Property Details

APN / Parcel Number

Primary APN	`01006D0008.000000`
Alternative APNs	`5538 51 7706` `108161`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,064 sqft Living Area
Gross Area	2,684 sqft
1st Floor Area	936 sqft
Upper Floors Area	1,128 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Lot Width	38 ft Width
Garage Type	Mixed
Garage Area	430 sqft
Driveway	Concrete Driveway
Driveway Area	1,000 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	90 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	108161
Street Address	974 POINTE ANDREWS DR
City	CONCORD
State	NC
Zip	28025-8545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CO
Legal Description	LT 8 THE POINTE AT ST ANDREWS
Legal Subdivision	POINTE AT ST ANDREWS
Legal Lot Number	8
Jurisdiction	CABARRUS NC
Township / Civil Division	1, HARRISBURG
Census Block Group	3
Census Block	3005
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	2 Individual Names on Record
Mailing Address	974 POINTE ANDREWS DR, CONCORD, NC 28025-8545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jul 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 5, 2019	Deed of Trust, Mortgage · Conventional with PMI STATE EMPS CU
May 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2016 · Amount on Record
Deed Sale	Apr 22, 2016 · Amount on Record
Prior Sale	Dec 3, 2015 · Amount on Record
Deed Book / Page	11884 / 330
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	974 POINTE ANDREWS DR, CONCORD, NC 28025-8545
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016986359
Date	Jun 26, 2024
Book Page	16986/359

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	974 POINTE ANDREWS DR, CONCORD, NC 28025-8545
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001536649
Date	Jul 29, 2021
Book Page	15366/49

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	974 POINTE ANDREWS DR, CONCORD, NC 28025-8545
Transaction Type	Mortgage
Record Updated	Aug 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1536649
Date	Jul 29, 2021
Book Page	15366/49

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	974 POINTE ANDREWS DR, CONCORD, NC 28025-8545
Document Number	13836238
Instrument Date	Nov 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 POINTE ANDREWS DR CONCORD NC 280258545, CONCORD, NC 28025-8545

Mortgage

Document Number	13836238
Date	Nov 13, 2019
Book Page	013836/000238
Instrument	31495

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	974 POINTE ANDREWS DR, CONCORD, NC 28025-8545
Document Number	13009227
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	974 POINTE ANDREWS DR CONCORD NC 280258545, CONCORD, NC 28025-8545

Mortgage

Document Number	13009227
Date	May 23, 2018
Book Page	013009/000227
Instrument	12061

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NC 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2048

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		$346,590 (+66.2%) Land $76,000 Building $270,590
2024			$346,590 (+66.2%) Land $76,000 Building $270,590
2023	$2,544.00	$208,540 Land $40,000 Building $168,540	$208,540 Land $40,000 Building $168,540

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	2 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 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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Windstream.

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