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

Cabarrus County property record for 982 Old Trace Rd NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,207 sqft · built 2018
Lot Size	0.196 acres (8,538 sqft)
Owner	2 Individual Names on Record
Last Sale	$840,000 (May 2025)
Tax Bill	$8,723 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02001O0183.000000`

Property Details

APN / Parcel Number

Primary APN	`02001O0183.000000`
Alternative APNs	`4680 35 7458` `126213`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,207 sqft Living Area
Gross Area	5,718 sqft
1st Floor Area	1,752 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Asbestos
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	8,538 sqft (0.196 acres)
Lot Dimensions	140 ft deep x 61 ft wide
Garage Type	Mixed
Garage Area	806 sqft
Driveway	Concrete Driveway
Driveway Area	1,200 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	54 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	126213
Street Address	982 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 183 ALLEN MILLS
Legal Subdivision	ALLEN MILLS
Legal Lot Number	183
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	2
Census Block	2015
Census Tract	41306

Owner

Source: Cabarrus County records, as of March 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	982 OLD TRACE RD NW, CONCORD, NC 28027-8473
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 2, 2021	Deed of Trust, Mortgage · ARM UNITED WHOLESALE MORTGAGE
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2025 · Amount on Record
Deed Sale	May 16, 2025 · Amount on Record
Prior Sale	Sep 27, 2018 · Amount on Record
Deed Document Number	202510599
Deed Book / Page	17437 / 51
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	982 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	0014325246
Date	Jul 14, 2020
Book Page	14325/246

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	982 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	0001506956
Date	Apr 7, 2021
Book Page	15069/56

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	982 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	0015465111
Date	Sep 2, 2021
Book Page	15465/111

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.25%
Index	6-Month LIBOR
Max Rate	7.25%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	982 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	982 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 Recorded
Term	360 Months
Due	Jul 27, 2050

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of September 23, 2025

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
2025	$8,723.00 (+53.38%)	$875,840 (+87.88%) Land $160,000 Building $715,840
2024			$875,840 (+87.88%) Land $160,000 Building $715,840
2023	$5,687.00	$466,180 Land $86,000 Building $380,180	$466,180 Land $86,000 Building $380,180

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	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

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 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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