Cabarrus County property record for 10439 Spring Tree Ln, Huntersville, NC 28078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,527 sqft · built 2006 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $690,000 (Mar 2023) |
| Tax Bill | $3,690 (2023) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03018B0665.000000 |
| Primary APN | 03018B0665.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,527 sqft Living Area |
| Gross Area | 4,926 sqft |
| 1st Floor Area | 1,526 sqft |
| Upper Floors Area | 2,001 sqft |
| Flooring | Hardwood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 154 ft deep x 80 ft wide |
| Garage Type | Mixed |
| Garage Area | 660 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,250 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 562 sqft |
| Deck Area | Deck Area |
| Patio Area | 177 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 128543 |
|---|---|
| Street Address | 10439 SPRING TREE LN |
| City | HUNTERSVILLE |
| State | NC |
| Zip | 28078-2636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LT 665 SKYBROOK |
| Legal Subdivision | SKYBROOK |
| Legal Lot Number | 665 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 3, ODELL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 41307 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10439 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 9, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Dec 5, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Mar 14, 2023 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2023 · Amount on Record |
| Deed Sale | Mar 14, 2023 · Amount on Record |
| Prior Sale | Jun 3, 2016 · Amount on Record |
| Deed Document Number | 20234837 |
| Deed Book / Page | 16407 / 189 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10439 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 10439 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0017755191 |
|---|---|
| Date | Dec 9, 2025 |
| Book Page | 17755/191 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 5-Year CMT |
| Max Rate | 10% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10439 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0016742152 |
|---|---|
| Date | Dec 5, 2023 |
| Book Page | 16742/152 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Mar 14, 2023 |
| Property Address | 10439 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0016407189 |
| Book / Page | 16407 / 189 |
| Map Reference | MB 44 PG 66 |
| Instrument Date | Mar 14, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Title Company | NOT AVAILABLE, INVESTORS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4601 FIRETHORN CT, DENVER, NC 28037-7853 |
| Name | Verified Name |
|---|---|
| Address | 10439 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0164070191 |
|---|---|
| Date | Mar 14, 2023 |
| Instrument | 16407-0191 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | 5-Year CMT |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10439 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 14768115 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 14768/115 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $745,430 (+63.21%) Land $130,000 Building $615,430 | ||
| 2024 | $745,430 (+63.21%) Land $130,000 Building $615,430 | ||
| 2023 | $3,690.00 | $456,740 Land $69,000 Building $387,740 | $456,740 Land $69,000 Building $387,740 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.02% 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 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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