Cabarrus County property record for 10489 Spring Tree Ln, Huntersville, NC 28078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,015 sqft · built 2005 |
| Lot Size | 0.82 acres (35,719 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $580,000 (Dec 2017) |
| Tax Bill | $4,387 (2023) |
| Deeds & Mortgages | Jul 2020 Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03018B0643.000000 |
| Primary APN | 03018B0643.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,015 sqft Living Area |
| Gross Area | 6,642 sqft |
| 1st Floor Area | 2,116 sqft |
| Upper Floors Area | 1,899 sqft |
| Basement Area | 1,411 sqft |
| Unfinished Basement | 1,411 sqft |
| Cellar | Cellar |
| Flooring | Hardwood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 35,719 sqft (0.82 acres) |
| Lot Width | 19 ft Width |
| Garage Type | Mixed |
| Garage Area | 676 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 3,200 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 221 sqft |
| Deck Area | 77 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 119899 |
|---|---|
| Street Address | 10489 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 643 SKYBROOK |
| Legal Subdivision | SKYBROOK |
| Legal Lot Number | 643 |
| 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 | 10489 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 14, 2017 | Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2017 · Amount on Record |
| Deed Sale | Dec 14, 2017 · Amount on Record |
| Prior Sale | Dec 8, 2014 · Amount on Record |
| Deed Document Number | 201712806-0291 |
| Deed Book / Page | 12806 / 291 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10489 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 14320213 |
| Instrument Date | Jul 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 10489 SPRING TREE LN HUNTERSVILLE NC 280782636, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 14320213 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 014320/000213 |
| Instrument | 21864 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 12, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Dec 14, 2017 |
| Property Address | 10489 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0012806291 |
| Book / Page | 12806 / 0291 |
| Map Reference | MB44 PG66 |
| Instrument Date | Nov 28, 2017 |
| Instrument | 12806-0291 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,160.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 10489 SPRING TREE LN, HUNTERSVILLE, NC 28078-2636 |
| Document Number | 0128060294 |
|---|---|
| Date | Dec 14, 2017 |
| Instrument | 12806-0294 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.27% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.27% |
| Index | 1-Year LIBOR |
| Max Rate | 8.27% |
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 | $864,510 (+59.24%) Land $187,000 Building $677,510 | ||
| 2024 | $864,510 (+59.24%) Land $187,000 Building $677,510 | ||
| 2023 | $4,387.00 | $542,890 Land $93,750 Building $449,140 | $542,890 Land $93,750 Building $449,140 |
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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