979 Old Trace Rd NW, Concord, NC 28027 Property Records

Cabarrus County property record for 979 Old Trace Rd NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,895 sqft · built 2018
Lot Size	0.217 acres (9,453 sqft)
Owner	2 Individual Names on File
Last Sale	$354,000 (Aug 2018)
Tax Bill	$4,633 (2023)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02001O0172.000000`

Property Details

APN / Parcel Number

Primary APN	`02001O0172.000000`
Alternative APNs	`4680 35 5386` `124924`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,895 sqft Living Area
Gross Area	3,869 sqft
1st Floor Area	1,310 sqft
Upper Floors Area	1,585 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Other
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	9,453 sqft (0.217 acres)
Lot Dimensions	175 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	42 sqft
Patio Area	262 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	124924
Street Address	979 OLD TRACE RD NW
City	CONCORD
State	NC
Zip	28027-8473
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Description	LT 172 ALLEN MILLS
Legal Subdivision	ALLEN MILLS
Legal Lot Number	172
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	2
Census Block	2015
Census Tract	41306

Owner

979 Old Trace Rd NW is owned and occupied by two individuals who bought it in August 2018.

Source: Cabarrus County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	979 OLD TRACE RD NW, CONCORD, NC 28027-8473
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage MLD MORTGAGE
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Aug 1, 2018	Warranty Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2018 · Amount on File
Deed Sale	Aug 1, 2018 · Amount on File
Deed Book / Page	13117 / 171
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	979 OLD TRACE RD NW, CONCORD, NC 28027-8473
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014504316
Date	Sep 18, 2020
Book Page	14504/316

Lender

Name	MLD MORTGAGE
Type	Mortgage Company
Address	FLORHAM PARK, NJ 07932

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	979 OLD TRACE RD NW, CONCORD, NC 28027-8473
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013915140
Date	Dec 23, 2019
Book Page	13915/0140

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	ATLANTA, GA 30326

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	979 OLD TRACE RD NW, CONCORD, NC 28027-8473
Document Number	1436551
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	979 OLD TRACE RD NW CONCORD NC 280278473, CONCORD, NC 28027-8473

Mortgage

Document Number	1436551
Date	Jul 28, 2020
Book Page	014365/000051
Instrument	24094

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2050

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 1, 2018
Property Address	979 OLD TRACE RD NW, CONCORD, NC 28027-8473
Document Number	13117171
Book / Page	013117 / 000171
Instrument Date	Jul 31, 2018
Instrument	18951
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 1, 2018
Title Company	TRANSOHIO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$708.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	979 OLD TRACE RD NW CONCORD NC 28117, CONCORD, NC 28117

Mortgage

Document Number	13117173
Date	Aug 1, 2018
Book Page	013117/000173
Instrument	18952

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 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		$671,040 Land $160,000 Building $511,040
2024			$671,040 (+76.71%) Land $160,000 Building $511,040
2023	$4,633.00	$379,740 Land $86,000 Building $293,740	$379,740 Land $86,000 Building $293,740

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

Flood

FEMA maps place 979 Old Trace Rd 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	7 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 979 Old Trace Rd NW is low, with a 0.04% annual chance of wildfire.

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	0.04% annual chance
Exposure	Direct burnable vegetation

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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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