Cabarrus County property record for 987 Union St S, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,758 sqft · built 1952 |
| Lot Size | 0.264 acres (11,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Jul 2019) |
| Tax Bill | $2,803 (2023) |
| Deeds & Mortgages | Jun 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5539 69 3174 |
| Primary APN | 5539 69 3174 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,758 sqft Living Area |
| Gross Area | 1,800 sqft |
| 1st Floor Area | 1,758 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,500 sqft (0.264 acres) |
| Lot Dimensions | 235 ft deep x 192 ft wide |
| Driveway | Concrete Driveway |
| Driveway Area | 1,500 sqft |
| Porch | Slab |
| Porch Area | 42 sqft |
| Storage Building | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 138146 |
|---|---|
| Street Address | 987 UNION ST S |
| City | CONCORD |
| State | NC |
| Zip | 28025-5734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-1 |
| Legal Description | LT 1 UNION STREET .632 AC PLAT |
| Legal Subdivision | PINE RIDGE |
| Legal Lot Number | 1 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 11, CENTRAL CABARRUS |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 42202 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 987 UNION ST S, CONCORD, NC 28025-5734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Jul 8, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI COLTEN MTG |
| Feb 6, 2019 | Trustee's Deed, Construction Loan · Construction Mortgage DHARMENDRA MAKWANA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2019 · Amount on Record |
| Deed Sale | Jul 8, 2019 · Amount on Record |
| Deed Book / Page | 13592 / 75 |
| Last Transfer Date | May 27, 2020 |
| Transfer Doc | 14225198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jun 3, 2020 |
| Property Address | 987 UNION ST S, CONCORD, NC 28025-5734 |
| Document Number | 0014225198 |
| Book / Page | 14225 / 198 |
| Map Reference | MB 69 PG 90 |
| Instrument Date | May 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 677 BRIGHT ORCHID AVE, 677, CONCORD, NC 28025-9034 |
| Name | Verified Name |
|---|---|
| Address | 987 UNION ST S, CONCORD, NC 28025-5734 |
| Document Number | 0014225200 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | 14225/200 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jul 8, 2019 |
| Property Address | 987 UNION ST S, CONCORD, NC 28025-5734 |
| Document Number | 1359275 |
| Book / Page | 013592 / 000075 |
| Instrument Date | Jul 8, 2019 |
| Instrument | 17017 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $460.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 987 UNION ST S CONCORD NC 28025, CONCORD, NC 28025 |
| Document Number | 1359277 |
|---|---|
| Date | Jul 8, 2019 |
| Book Page | 013592/000077 |
| Instrument | 17018 |
| Name | COLTEN MTG |
|---|---|
| Address | GREENWOOD VILLAGE, CO 80111 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 7, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Feb 6, 2019 |
| Property Address | 987 UNION ST S, CONCORD, NC 28025-5734 |
| Book / Page | 013364 / 000153 |
| Instrument Date | Feb 1, 2019 |
| Instrument | 2765 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 987 UNION ST CONCORD NC 28025, CONCORD, NC 28025 |
| Document Number | 13364153 |
|---|---|
| Date | Feb 6, 2019 |
| Book Page | 013364/000153 |
| Instrument | 2765 |
| Name | DHARMENDRA MAKWANA |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 5, 2020 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $309,210 (-) Land $55,000 Building $254,210 | ||
| 2025 | $309,210 (+34.59%) Land $55,000 Building $254,210 | ||
| 2024 | $309,210 (+34.59%) Land $55,000 Building $254,210 | ||
| 2023 | $2,803.00 | $229,750 Land $40,000 Building $189,750 | $229,750 Land $40,000 Building $189,750 |
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 66% of the US · above 46% 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 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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