$340,000
SOLD SEP 2, 2025

640 Loch Lomond Cir Concord, NC 28025

3 Beds
2.5 Baths
1,259 Sq Ft
9,583 Sq Ft Lot

Recently Sold

$270 Per Sq Ft

3% Above List Price

3 Days on Market

Highlights

  • In Ground Pool
  • Deck
  • Ranch Style House
  • Patriots Elementary School Rated A-
  • Wooded Lot
  • Wood Flooring

About This Home

As of September 2025

This adorable 3 bedroom, 2.5 bathroom split bedroom ranch is one you don't want to miss out on. This is the kind of home that makes you want to host everything—birthday parties, backyard barbecues, even random Tuesday night gatherings. The front porch sets the tone, the open living room invites you inside and the farmhouse sink, plus island seating, make the kitchen the real MVP. Out back? The IN-GROUND POOL, a screened porch for lazy afternoons, and a fenced yard for both privacy and play. When you need to step out, Concord offers ample options for dining, shopping, entertainment and parks galore. The only thing missing? You. The icing on the cake is the sellers loan is assumable. Please ask for more details. Schedule your private viewing today!

Last Agent to Sell the Property

Nicole Redmond

G2 Real Estate Brokerage Email: nickyredmond2@gmail.com License #302407 Listed on: 08/10/2025

Last Buyer's Agent

Chris Simmons

Keller Williams South Park License #129982

Keller Williams South Park

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,387

Year Built

  • Built in 2002

Lot Details

  • Lot Dimensions are 70x143x70x143
  • Wood Fence
  • Back Yard Fenced
  • Level Lot
  • Wooded Lot
  • Property is zoned LDR

HOA Fees

  • $16 Monthly HOA Fees

Parking

  • Driveway

Home Design

  • Ranch Style House
  • Vinyl Siding

Interior Spaces

  • 1,259 Sq Ft Home
  • Ceiling Fan
  • Insulated Windows
  • Screened Porch
  • Crawl Space
  • Home Security System
  • Laundry Room

Kitchen

  • Electric Range
  • Microwave
  • Plumbed For Ice Maker
  • Dishwasher
  • Kitchen Island
  • Farmhouse Sink

Flooring

  • Wood
  • Laminate
  • Tile

Bedrooms and Bathrooms

  • 3 Main Level Bedrooms
  • Split Bedroom Floorplan
  • Walk-In Closet

Outdoor Features

  • In Ground Pool
  • Deck

Schools

  • Patriots Elementary School
  • C.C. Griffin Middle School
  • Central Cabarrus High School

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Natural Gas

Community Details

  • Cedar Management Association, Phone Number (704) 644-8808
  • St Andrews Subdivision
  • Mandatory home owners association

Listing and Financial Details

  • Assessor Parcel Number 5538-34-5987-0000

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,387

Year Built

Built in 2002

Lot Details

0

HOA Fees

$16 per month

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Architectural Style: Ranch
  • Year Built: 2002
  • Restrictions: No Representation
  • Special Assessment Yn: 0
  • Proposed Special Assessment Yn: 0
  • Road Surface Type: Concrete, Paved
  • Unit Levels: One
  • Ratio CurrentPrice/TotalPropertyHLA: 270.06
  • Geocode Confidence: High
  • Attribution Contact: nickyredmond2@gmail.com
  • Special Features: VirtualTour

Interior Features

  • Foundation Details: Crawl Space
  • Fireplace: No
  • Flooring: Laminate, Tile, Wood
  • Interior Amenities: Attic Other, Kitchen Island, Pantry, Split Bedroom, Walk-In Closet(s)
  • Lower Level Sq Ft: 0
  • Main Level Sq Ft: 1259
  • Third Level Sq Ft: 0
  • Sq Ft Unheated Total: 0
  • Sq Ft Upper: 0
  • Appliances: Dishwasher, Electric Range, Microwave, Plumbed For Ice Maker
  • Above Grade Finished Sq Ft: 1259
  • Basement YN: No
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 3
  • Door Features: Storm Door(s)
  • Living Area: 1259
  • Window Features: Insulated Window(s)
  • Bedroom Main: 3
  • Room Count: 8

Exterior Features

  • Exterior Features: Other - See Remarks
  • New Construction: No
  • Roof: Shingle
  • Construction Type: Site Built
  • Fencing: Back Yard, Wood
  • Pool Features: In Ground, Outdoor Pool
  • Construction Type: Vinyl
  • Patio And Porch Features: Covered, Deck, Front Porch, Screened

Garage/Parking

  • Main Level Garage YN: 0
  • Carport Y N: No
  • Garage Yn: No
  • Open Parking: No
  • Parking Features: Driveway

Utilities

  • Heating: Forced Air, Natural Gas
  • Sewer: Public Sewer
  • Laundry Features: In Kitchen, Laundry Closet
  • Security: Security System
  • Cooling: Ceiling Fan(s), Central Air, Electric
  • Water Source: City

Condo/Co-op/Association

  • Association Fee: 190
  • Association Fee Frequency: Annually
  • Hoa Subject To Dues: Mandatory
  • Senior Community: No
  • Association Name: Cedar Management
  • Phone: 704-644-8808
  • Association Email: sales@mycmg.com

Association/Amenities

  • Association Annual Expense: 190.00

Schools

  • Middle Or Junior School: C.C. Griffin
  • HOA Subject To: Required

Lot Info

  • Lot Features: Level, Sloped, Wooded
  • Lot Size Area: 0.22
  • Lot Size Units: Acres
  • Parcel Number: 5538-34-5987-0000
  • Zoning: LDR
  • Plat Book Slide: 37/31
  • Lot Size: 70x143x70x143
  • Additional Parcels: No
  • Zoning Specification: LDR

MLS Schools

  • Elementary School: Patriots
  • High School: Central Cabarrus

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Aug 10, 2025
Closed on
Sep 2, 2025
Sold by
Suggs Jackson Dakota and Bailey Rebekah
Bought by
Fitzgerald Brandon Adam and Knarich Angelique Michelle
Seller's Agent
Nicole Redmond
G2 Real Estate
Buyer's Agent
Chris Simmons
Keller Williams South Park
List Price
$330,000
Sold Price
$340,000
Premium/Discount to List
$10,000
3.03%
Views
13

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-10.09%
Original Mortgage
$11,900
Outstanding Balance
$11,900
Interest Rate
6.74%
Mortgage Type
New Conventional
Estimated Equity
$325,578

Purchase Details

Listed on
Nov 12, 2021
Closed on
Dec 16, 2021
Sold by
Barlow Michael W and Barlow Sandra
Bought by
Suggs Jackson Dakota and Suggs Bailey Rebekah
Seller's Agent
Liz Hallman
Lantern Realty & Development, LLC
Buyer's Agent
Jenna Cook
Lantern Realty & Development, LLC
List Price
$285,000
Sold Price
$300,000
Premium/Discount to List
$15,000
5.26%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
3.42%
Original Mortgage
$294,566
Interest Rate
3.09%
Mortgage Type
FHA

Purchase Details

Closed on
Mar 28, 2003
Sold by
Perkins David R and Perkins Debra L
Bought by
Barlow Michael W and Barlow Sandra

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$98,981
Interest Rate
9.75%

Purchase Details

Closed on
Jul 2, 2002
Sold by
Twls Inc
Bought by
Perkins David R and Perkins Debra L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$87,200
Interest Rate
6.62%
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $340,000 None Listed On Document
Warranty Deed $300,000 None Available
Warranty Deed $110,000 --
Warranty Deed $25,500 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $11,900 New Conventional
Open $333,841 FHA
Previous Owner $294,566 FHA
Previous Owner $98,981 No Value Available
Previous Owner $87,200 No Value Available
Closed $6,000 No Value Available
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
09/02/2025 09/02/25 Sold $340,000 +3.0% $270 / Sq Ft
08/10/2025 08/10/25 For Sale $330,000 +10.0% $262 / Sq Ft
12/16/2021 12/16/21 Sold $300,000 +5.3% $234 / Sq Ft
11/13/2021 11/13/21 Pending -- -- --
11/12/2021 11/12/21 For Sale $285,000 -- $223 / Sq Ft
Source: Canopy MLS (Canopy Realtor® Association)

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,387 $347,930 $61,000 $286,930
2024 $2,387 $347,930 $61,000 $286,930
2023 $1,735 $204,120 $40,000 $164,120
2022 $1,694 $187,790 $40,000 $147,790
2021 $1,530 $187,790 $40,000 $147,790
2020 $1,530 $187,790 $40,000 $147,790
2019 $1,174 $144,020 $20,000 $124,020
2018 $1,072 $134,870 $20,000 $114,870
2017 $1,018 $134,870 $20,000 $114,870
2016 $1,018 $125,080 $20,000 $105,080
2015 $932 $125,080 $20,000 $105,080
2014 $932 $125,080 $20,000 $105,080
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Canopy MLS (Canopy Realtor® Association)

MLS Number: 4290569

Canopy MLS (Canopy Realtor® Association)

APN: 5538-34-5987-0000