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Cabarrus County, North Carolina Court Filings Intelligence

Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Cabarrus County court dockets. Updated 2026-08-03. See methodology.

Investor takeaway

About Cabarrus County

Cabarrus County is a county located in the south-central part of the U.S. state of North Carolina. As of the 2020 census, the population was 225,804, making it the 9th-most populous county in North Carolina. The county seat is Concord, which was incorporated in 1803.

Source: Wikipedia

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At a glance

5125 verified property-related court filings tracked across 33 months (Aug 2020 to Aug 2026).

160 typical monthly filing volume.

0% of filings involve owners whose mailing address differs from the property address (0 of 5125 filings).

$358,115 median estimated property value across the 1108 filings with property-enrichment data (22% coverage).

3.5% North Carolina unemployment rate (BLS, as of 2026-05). Filings should be read against the local-economy backdrop.

Filing type breakdown

Filing typeFilingsShare
Other 4242 82.8%
Probate 577 11.3%
Divorce 178 3.5%
Pre-Foreclosure 118 2.3%
Guardianship 9 0.2%
Real Estate Dispute 1 0.0%

Each row is a distinct case verified for current owner-of-record before inclusion.

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Monthly filing activity

MonthFilingsvs prior
Aug 2020 6
Sep 2020 18 +12
Oct 2020 22 +4
Nov 2020 2 -20
Dec 2020 3 +1
Jan 2021 4 +1
Jan 2024 1 -3
Feb 2024 23 +22
Mar 2024 24 +1
Apr 2024 7 -17
May 2024 2 -5
Jun 2024 1 -1
Jul 2024 1 0
Sep 2024 3 +2
Feb 2025 1 -2
Mar 2025 5 +4
Apr 2025 13 +8
May 2025 35 +22
Jun 2025 23 -12
Jul 2025 131 +108
Aug 2025 405 +274
Sep 2025 518 +113
Oct 2025 460 -58
Nov 2025 386 -74
Dec 2025 417 +31
Jan 2026 542 +125
Feb 2026 411 -131
Mar 2026 365 -46
Apr 2026 318 -47
May 2026 284 -34
Jun 2026 362 +78
Jul 2026 317 -45
Aug 2026 2 -315

Each row reflects new filings entering the dataset that month, after ownership verification. Most recent month may be partial.

Geographic concentration by ZIP

Top 5 ZIPs in Cabarrus County account for 0.3% of all tracked filings, showing where distressed real estate activity clusters.

ZIPCityFilingsShare
28027 Concord 8 0.2%
28025 Concord 5 0.1%
28081 Kannapolis 2 0.0%
28083 1 0.0%
28075 Harrisburg 1 0.0%

Based on filings with a parseable property address (0% of Cabarrus County filings).

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Property value distribution

Estimated valueFilingsShare
Under $75k 19 1.7%
$75k - $150k 41 3.7%
$150k - $250k 157 14.2%
$250k - $400k 475 42.9%
$400k+ 416 37.5%

Source: third-party property enrichment (22% coverage on Cabarrus County filings). Median $358,115; mean $390,490.

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Day-of-week filing pattern

DayFilingsShare
Sun 523 10.2%
Mon 1163 22.8%
Tue 1335 26.1%
Wed 965 18.9%
Thu 722 14.1%
Fri 249 4.9%
Sat 155 3.0%

Filings show some weekend activity, suggesting after-hours electronic filing. Computed for 5112 filings with a parseable date.

Housing stock + distress signals

Underlying housing stock and distress indicators across all 91339 Cabarrus County housing units, from US Census ACS 5-year data. National reference values shown for context.

Indicator Cabarrus County US average
Vacancy rate (incl. seasonal + for-sale)12.0%10.5%
Share of owner-occupied units carrying a mortgage70.6%60.8%
Pre-1940 housing stock6.7%12.3%
Single-family detached share of housing stock76.7%61.2%
Residents age 65 or older13.4%17.3%

Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.

Rent benchmark (HUD Fair Market Rent)

HUD sets Fair Market Rents at the metro area level — the same FMRs apply to every county within the metro. Cabarrus County sits within the Charlotte-Concord-Gastonia, NC-SC (FY 2026). Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.

Unit size Fair market rent / month
Efficiency / studio$1,469
1-bedroom$1,538
2-bedroom$1,686
3-bedroom$2,076
4-bedroom$2,637

Source: US Department of Housing and Urban Development, Fair Market Rents (2026). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.

New construction (market momentum)

Annual building permits filed in Cabarrus County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.

Indicator Value
Total housing units permitted (2025)1,991
Year-over-year change (2024 → 2025)-19.9%
Single-family share of permits (2025)68.2%
Single-family units permitted1,358
Multifamily units permitted (2+ units per building)633

Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.

Macro context: state home prices and national delinquency

Cabarrus County filings should be read against the broader housing-market backdrop. North Carolina state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.

IndicatorValuePeriod
North Carolina home price index (year-over-year)+2.4%2026-01-01
North Carolina home price index (cumulative since 2020)+72.0%2026-01-01
National mortgage delinquency rate (30+ day, single-family)1.89%2026-01-01

Sources: Federal Housing Finance Agency state house price indices (FRED series NCSTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.

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Filing velocity by case type

How each distress category is trending — are foreclosures accelerating while divorces cool, or vice versa? This breakdown is only possible with direct court-record data.

Case type Total Share Trend
Lien 3098 60.4% +8.6%
Eviction 1095 21.4% -98.3%
Probate 566 11.0% +21.3%
Divorce 178 3.5% -32.7%
Pre-Foreclosure 116 2.3% -92.6%
Personal Property 36 0.7% -36.8%
Guardianship 9 0.2% --
Other 6 0.1% --

Trend = recent 2-3 month volume vs prior 2-3 months (current partial month excluded). Positive = accelerating; negative = cooling.

Seasonal filing patterns

Court filings peak in Oct and are lowest in May. The 2.3x peak-to-trough ratio suggests strong seasonal patterns — investors who time their outreach around Oct can reach more distressed homeowners.

Month Avg filings Relative
Jan 182.3
76%
Feb 145
60%
Mar 131.3
54%
Apr 112.7
47%
May 107
44%
Jun 128.7
53%
Jul 149.7
62%
Aug 205.5
85%
Sep 179.7
75%
Oct 241
100%
Nov 194
80%
Dec 210
87%

Average filings per calendar month across all observed years. Relative column shows each month as a percentage of the peak month (Oct), with a 2.3x peak-to-trough ratio.

ZIP code distress hotspots

Distress is geographically dispersed across 5 ZIP codes, with no single area dominating.

ZIP Area Filings Share
28027 Concord 8 0.2%
28025 Concord 5 0.1%
28081 Kannapolis 2 0.0%
28083 1 0.0%
28075 Harrisburg 1 0.0%

Top 5 of 5 ZIP codes with filings.

Non-resident owner analysis

Most filings (100%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.

0.0%
Non-resident owners
Case type Total filings Non-resident %
Lien 3098 0.0%
Eviction 1095 0.0%
Probate 577 0.0%
Divorce 178 0.0%
Pre-Foreclosure 118 0.0%
Personal Property 36 0.0%
Guardianship 9 0.0%
Other 6 0.0%

Non-resident = owner's mailing address differs from the property address. Could indicate out-of-state landlords, inherited estates, second homes, or in-transition properties.

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Distress composition and shifts

Lien share is rising. Eviction share is declining. Low diversity — distress is dominated by one or two case types, suggesting a concentrated driver.

Case type Recent share Earlier share Shift
Lien 87.2% 56.6% +30.6pp (rising)
Probate 7.4% 11.6% -4.2pp
Divorce 4.6% 3.3% +1.3pp
Eviction 0.4% 24.6% -24.2pp (falling)
Pre-Foreclosure 0.1% 2.6% -2.5pp
Other 0.1% 0.1% +0.0pp
Alimony 0.1% 0.0% +0.1pp
Real Estate Dispute 0.0% 0.0% +0.0pp
Negligence 0.0% 0.0% +0.0pp
Contract 0.0% 0.1% -0.1pp
Personal Property 0.0% 0.8% -0.8pp
Guardianship 0.0% 0.2% -0.2pp

Distress diversity score: 0.72 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.

Court Docket Activity

Across 189 tracked cases, the average case has 11 docket entries (median 10). 41.8% of cases are in the "mid-process (6-15 events)" stage. Pre-Foreclosure cases are the most court-active at 11.4 events on average. Higher docket activity signals that courts are actively processing the case, which can indicate timeline urgency for investor outreach.

10.5
Avg. docket entries per case
10
Median entries per case
34
Most active case
Activity level Cases Share
Early stage (1-5 events) 68 36.0%
Mid-process (6-15 events) 79 41.8%
Advanced (16+ events) 42 22.2%
Docket activity by case type
Case type Avg. events Cases tracked
Pre-Foreclosure 11.4 79
Probate 10.3 101
Guardianship 5.2 9

Based on 189 cases with docket event tracking from Cabarrus County court records. Docket entries include filings, hearings, orders, and motions.

Property Value Profile

The median assessed value of properties in court filings is $357,700. Divorce filings involve the highest-value properties (median $409,980), while Probate filings trend lower (median $286,700). The largest segment (59.2%) falls in the $250K - $500K range.

$357,700
Median assessed value
$388,471
Average assessed value
1114
Properties with values
Value range Properties Share
Under $100K 33 3.0%
$100K - $250K 190 17.1%
$250K - $500K 659 59.2%
$500K - $1M 221 19.8%
Over $1M 11 1.0%
Value breakdown by case type
Case type Median value Avg value Properties
Lien $363,330 $400,581 821
Probate $286,700 $317,944 163
Pre-Foreclosure $365,830 $411,815 54
Eviction $355,600 $366,357 42
Divorce $409,980 $438,236 32

Based on county assessor records for 1114 properties with court filings (21.7% of total filings). Values are tax-assessed amounts, not market listing prices.

Distress Capital Analysis

$432,757,100 in assessed property value is currently tied up in 1114 court-filed properties. Lien filings represent the largest capital pool ($328,877,200 across 821 properties).

$433M
Total Value at Risk
1114
Properties Valued
$357,700
Median Value

Capital at Risk by Filing Type

Filing Type Total Value Properties Avg Value High Equity %
Lien
$328,877,200
821 $400,581 --
Probate
$51,824,880
163 $317,944 --
Pre-Foreclosure
$22,238,030
54 $411,815 --
Eviction
$15,387,000
42 $366,357 --
Divorce
$14,023,560
32 $438,236 --

Based on 1114 properties with assessor valuations (21.7% of 5125 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.

Market Absorption & Turnover Analysis

5,105 court filings tracked with 0 resolved (0.0% absorption rate). The court system is accumulating cases faster than they resolve, creating a growing backlog of 5,105 active cases.

0.0%
Absorption Rate
5,105
Active Case Backlog
Month New Filings Resolved Net Inflow Absorption
Aug 2020 6 0 +6
0.0%
Sep 2020 17 0 +17
0.0%
Oct 2020 19 0 +19
0.0%
Nov 2020 2 0 +2
0.0%
Dec 2020 3 0 +3
0.0%
Jan 2021 4 0 +4
0.0%
Jan 2024 1 0 +1
0.0%
Feb 2024 22 0 +22
0.0%
Mar 2024 23 0 +23
0.0%
Apr 2024 6 0 +6
0.0%
May 2024 2 0 +2
0.0%
Jun 2024 1 0 +1
0.0%
Jul 2024 1 0 +1
0.0%
Sep 2024 3 0 +3
0.0%
Feb 2025 1 0 +1
0.0%
Mar 2025 5 0 +5
0.0%
Apr 2025 13 0 +13
0.0%
May 2025 35 0 +35
0.0%
Jun 2025 23 0 +23
0.0%
Jul 2025 131 0 +131
0.0%
Aug 2025 405 0 +405
0.0%
Sep 2025 518 0 +518
0.0%
Oct 2025 460 0 +460
0.0%
Nov 2025 386 0 +386
0.0%
Dec 2025 417 0 +417
0.0%
Jan 2026 542 0 +542
0.0%
Feb 2026 411 0 +411
0.0%
Mar 2026 365 0 +365
0.0%
Apr 2026 318 0 +318
0.0%
May 2026 284 0 +284
0.0%
Jun 2026 362 0 +362
0.0%
Jul 2026 317 0 +317
0.0%
Aug 2026 2 0 +2
0.0%

Resolution by Case Type

Case Type Filed Resolved Absorption Avg Days
Lien 3044 0 0.0% n/a
Eviction 1095 0 0.0% n/a
Probate 559 0 0.0% n/a
Divorce 178 0 0.0% n/a
Pre-Foreclosure 116 0 0.0% n/a
Other 60 0 0.0% n/a
Personal Property 36 0 0.0% n/a
Guardianship 9 0 0.0% n/a

Absorption rate measures the percentage of filed cases that have reached a terminal resolution (judgment, dismissal, settlement, or sale). A low absorption rate indicates a growing backlog of active cases in the court system. Resolution timing based on 0 resolved cases out of 5105 total filings.

Case Aging & Stall Analysis

332 cases (6.5%) have been active for over a year without resolution. 300 filings in the last <30 days represent fresh opportunities.

332
Cases stalled 1yr+
6.5%
of all filings
5,105
Total tracked
Age Total Resolved Still active Resolution rate
<30 days 300 0 300 0.0%
30-90 days 614 0 614 0.0%
3-6 months 1,100 0 1,100 0.0%
6-12 months 2,759 0 2,759 0.0%
1-2 years 225 0 225 0.0%
2+ years 107 0 107 0.0%
Resolution speed by case type
Case type Total Resolved Rate Median days
Lien 3,044 0 0.0%
Eviction 1,095 0 0.0%
Probate 559 0 0.0%
Divorce 178 0 0.0%
Pre-Foreclosure 116 0 0.0%
Personal Property 36 0 0.0%

Case aging computed from filing date to present for unresolved cases. Resolution classified from court docket entries (judgments, settlements, dismissals, sheriff sales). Cases with a resolution event are removed from the stall count.

Municipality filing concentration in Cabarrus County

Court filings in Cabarrus County span 9 municipalities. Concord leads with 45 filings (65.2% of total), predominantly Pre-Foreclosure (66.7%). Filing activity is geographically concentrated — the top 3 municipalities account for 88% of all filings.

9
Municipalities
88.4%
Top 3 share
Concentrated
Geographic spread
Municipality Filings Share Top case type
Concord 45 65.2% Pre-Foreclosure (66.7%)
Kannapolis 12 17.4% Pre-Foreclosure (75.0%)
Midland 4 5.8% Pre-Foreclosure (75.0%)
Harrisburg 2 2.9% Pre-Foreclosure (50.0%)
Charlotte 2 2.9% Probate (100.0%)
Mt. Pleasant 1 1.4% Probate (100.0%)
Davidson 1 1.4% Probate (100.0%)
Huntersville 1 1.4% Probate (100.0%)
Mt Pleasant 1 1.4% Guardianship (100.0%)

Top 9 of 9 municipalities with court filings. Data from 69 filings (1% of total). Municipality names from county assessor records.

Property Value Distribution

The median property value in distressed filings is $356,185, with the largest concentration (46.7%) in the $300K–$500K range. Divorce filings have the highest median value ($397,310) while Probate filings are lowest ($284,440).

$356,185
Median value
$388,128
Average value
1,114
Properties valued
Price range Count Share Distribution
Under $50K 7 0.6%
$50K–$100K 27 2.4%
$100K–$150K 33 3.0%
$150K–$200K 60 5.4%
$200K–$300K 235 21.1%
$300K–$500K 520 46.7%
$500K+ 232 20.8%
Value by case type
Case type Median value Average value Properties
Lien $363,330 $400,549 815
Probate $284,440 $315,601 163
Pre-Foreclosure $365,690 $411,815 54
Eviction $352,365 $366,357 42
Divorce $397,310 $438,236 32

Assessed property values from county assessor records for 1,114 properties (21.8% of total filings). Values reflect tax-assessed amounts, not market price.

Repeat litigation patterns in Cabarrus County

Of 4,719 unique property owners in court filings, 318 (6.7%) appear in multiple cases, including 39 with 3 or more filings. The most active repeat filer has 6 cases spanning 7 months. Pre-Foreclosure cases have the highest repeat rate at 20.9%.

4,719
Unique owners
318
Repeat filers (2+ cases)
6.7%
Repeat rate
39
Serial filers (3+ cases)

Repeat rate by case type

Case type Repeat owners Total owners Repeat rate
Lien 200 2836 7.1%
Eviction 116 965 12.0%
Probate 2 568 0.4%
Pre-Foreclosure 18 86 20.9%
Other 6 59 10.2%
Personal Property 2 36 5.6%

Analysis based on 4,719 unique owner names across court filings. Repeat filers are property owners appearing in 2 or more distinct cases.

Methodology and data sources

Related North Carolina guides

North Carolina foreclosure process How to find leads in North Carolina Top foreclosure counties in North Carolina North Carolina statewide analysis

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Cite: Keystone Court Data, "Cabarrus County North Carolina Court Filings Intelligence," 2026-08-03, https://keystonecourtdata.com/reports/cabarrus-nc-court-filings-intelligence · Download data (CSV)