Cabarrus County property record for 975 Scottland Dr, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,111 sqft · built 1998 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $139,000 (Jun 2013) |
| Tax Bill | $1,904 (2023) |
| Deeds & Mortgages | Dec 2023 Second Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11045D0081.000000 |
| Primary APN | 11045D0081.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,111 sqft Living Area |
| Gross Area | 3,064 sqft |
| 1st Floor Area | 1,405 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 133 ft deep x 74 ft wide |
| Garage Type | Unfinished |
| Garage Area | 735 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 920 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 42 sqft |
| Deck Area | 140 sqft |
| Patio Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 90094 |
|---|---|
| Street Address | 975 SCOTTLAND DR |
| City | CONCORD |
| State | NC |
| Zip | 28025-6806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LT 81 ST ANDREWS PL |
| Legal Subdivision | ST ANDREWS PLACE BRAXT |
| Legal Lot Number | 81 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 11, CENTRAL CABARRUS |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 40501 |
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 | 975 SCOTTLAND DR, CONCORD, NC 28025-6806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 15, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIFTH THIRD BANK NA |
| Jul 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Jan 27, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK |
| Jun 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2013 · Amount on Record |
| Deed Sale | Jun 6, 2013 · Amount on Record |
| Prior Sale | Oct 1, 2012 · Amount on Record |
| Deed Book / Page | 10556 / 319 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 975 SCOTTLAND DR, CONCORD, NC 28025-6806 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 975 SCOTTLAND DR, CONCORD, NC 28025-6806 |
| Document Number | 0016752112 |
|---|---|
| Date | Dec 15, 2023 |
| Book Page | 16752/112 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 975 SCOTTLAND DR, CONCORD, NC 28025-6806 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0015308218 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | 15308/218 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 975 SCOTTLAND DR, CONCORD, NC 28025-6806 |
| Document Number | 1287383 |
| Instrument Date | Jan 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 975 SCOTTLAND DR CONCORD NC 280256806, CONCORD, NC 28025-6806 |
| Document Number | 1287383 |
|---|---|
| Date | Feb 9, 2018 |
| Book Page | 012873/000083 |
| Instrument | 3028 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 8, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 975 SCOTTLAND DR, CONCORD, NC 28025-6806 |
| Document Number | 1256241 |
| Instrument Date | Jun 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2018 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 975 SCOTTLAND DR CONCORD NC 280256806, CONCORD, NC 28025-6806 |
| Document Number | 1256241 |
|---|---|
| Date | Jun 30, 2017 |
| Book Page | 012562/000041 |
| Instrument | 16688 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 29, 2042 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $341,750 (+49.01%) Land $61,000 Building $280,750 | ||
| 2024 | $341,750 (+49.01%) Land $61,000 Building $280,750 | ||
| 2023 | $1,904.00 | $229,350 Land $40,000 Building $189,350 | $229,350 Land $40,000 Building $189,350 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 481 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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