Cabarrus County property record for 10488 Spring Tree Ln, Huntersville, NC 28078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,039 sqft · built 2005 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $660,000 (Mar 2023) |
| Tax Bill | $3,108 (2023) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jul 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03018B0645.000000 |
| Primary APN | 03018B0645.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,039 sqft Living Area |
| Gross Area | 3,961 sqft |
| 1st Floor Area | 1,842 sqft |
| Upper Floors Area | 1,197 sqft |
| Flooring | Hardwood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 145 ft deep x 42 ft wide |
| Garage Type | Mixed |
| Garage Area | 460 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 900 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 148 sqft |
| Deck Area | Deck Area |
| Patio Area | 314 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 161828 |
|---|---|
| Street Address | 10488 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 645 SKYBROOK |
| Legal Subdivision | SKYBROOK |
| Legal Lot Number | 645 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 3, ODELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 41307 |
Source: Cabarrus County records, as of October 9, 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 | 10488 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 14, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROSEGATE MORTGAGE LLC |
| Jul 1, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jun 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 23, 2019 | Deed of Trust, Mortgage STATE EMPS CU |
| Feb 14, 2019 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Sep 27, 2017 | Deed of Trust, Mortgage · Line of Credit TRULIANT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2023 · Amount on Record |
| Deed Sale | Mar 14, 2023 · Amount on Record |
| Prior Sale | Feb 14, 2019 · Amount on Record |
| Deed Document Number | 20234814 |
| Deed Book / Page | 16407 / 20 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Mar 14, 2023 |
| Property Address | 10488 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0001640720 |
| Book / Page | 16407 / 20 |
| 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 | $1,320.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10439 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Name | Verified Name |
|---|---|
| Address | 10488 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0164070022 |
|---|---|
| Date | Mar 14, 2023 |
| Instrument | 16407-0022 |
| Name | ROSEGATE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10488 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0016098197 |
|---|---|
| Date | Jul 1, 2022 |
| Book Page | 16098/197 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | CONCORD, NC 28026 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10488 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0015222285 |
|---|---|
| Date | Jun 3, 2021 |
| Book Page | 15222/285 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10488 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 1380648 |
| Instrument Date | Oct 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 10488 SPRING TREE LN HUNTERSVILLE NC 280782636, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 1380648 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 013806/000048 |
| Instrument | 29636 |
| Name | STATE EMPS CU |
|---|---|
| Address | RALEIGH, NC 27611-5279 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 27, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Feb 14, 2019 |
| Property Address | 10488 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0013373185 |
| Book / Page | 13373 / 0185 |
| Map Reference | MB 44 PG 66 |
| Instrument Date | Jan 14, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $760.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6319 BLUEGRASS LN, 6319, FLOWERY BRANCH, GA 30542-4913 |
| Name | Verified Name |
|---|---|
| Address | 10488 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0013373190 |
|---|---|
| Date | Feb 14, 2019 |
| Instrument | 13373/190 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Change Frequency | Annually |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10488 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 1270672 |
| Book / Page | 012706 / 000072 |
| Instrument Date | Sep 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10488 SPRING TREE LN HUNTERSVILLE NC 280782636, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 1270672 |
|---|---|
| Date | Oct 4, 2017 |
| Book Page | 012706/000072 |
| Instrument | 25795 |
| Name | TRULIANT FCU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 3, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $689,590 (+79.27%) Land $187,000 Building $502,590 | ||
| 2024 | $689,590 (+79.27%) Land $187,000 Building $502,590 | ||
| 2023 | $3,108.00 | $384,660 Land $75,000 Building $309,660 | $384,660 Land $75,000 Building $309,660 |
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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