Cabarrus County property record for 10440 Spring Tree Ln, Huntersville, NC 28078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,136 sqft · built 2004 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $560,000 (Sep 2021) |
| Tax Bill | $3,249 (2023) |
| Deeds & Mortgages | Jan 2026 Line of Credit Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03018B0653.000000 |
| Primary APN | 03018B0653.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,136 sqft Living Area |
| Gross Area | 3,922 sqft |
| 1st Floor Area | 2,796 sqft |
| Flooring | Hardwood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick Veneer |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 154 ft deep x 80 ft wide |
| Garage Type | Mixed |
| Garage Area | 478 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,100 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 260 sqft |
| Patio Area | 260 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 152005 |
|---|---|
| Street Address | 10440 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 653 SKYBROOK |
| Legal Subdivision | SKYBROOK |
| Legal Lot Number | 653 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 3, ODELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| 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 | 10440 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 22, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Sep 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2021 · Amount on Record |
| Deed Sale | Sep 30, 2021 · Amount on Record |
| Prior Sale | Mar 1, 2005 · Amount on Record |
| Deed Book / Page | 15540 / 2 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10440 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0017815267 |
|---|---|
| Date | Jan 22, 2026 |
| Book Page | 17815/267 |
| 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 | Sep 30, 2021 |
| Property Address | 10440 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0000155402 |
| Book / Page | 15540 / 2 |
| Map Reference | MB 44 PG 66 |
| Instrument Date | Sep 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 696 POPLAR VIEW DR NW, 696, CONCORD, NC 28027-0274 |
| Name | Verified Name |
|---|---|
| Address | 10440 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0000155406 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 15540/6 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 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 | $689,740 (-) Land $187,000 Building $502,740 | ||
| 2025 | $689,740 (+71.51%) Land $187,000 Building $502,740 | ||
| 2024 | $689,740 (+71.51%) Land $187,000 Building $502,740 | ||
| 2023 | $3,249.00 | $402,160 Land $75,000 Building $327,160 | $402,160 Land $75,000 Building $327,160 |
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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