Cabarrus County property record for 125 Spring St NW, Concord, NC 28025
| Property Type | Historical Building |
|---|---|
| Details | 5 bd · 4 ba · 6,578 sqft · built 1905 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Apr 2021) |
| Tax Bill | $6,991 (2023) |
| Deeds & Mortgages | Sep 2023 Line of Credit Apr 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5620 78 2746 |
| Primary APN | 5620 78 2746 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 6,578 sqft Total Area |
| 1st Floor Area | 1,980 sqft |
| Upper Floors Area | 1,486 sqft |
| Basement Area | 1,750 sqft |
| Unfinished Basement | 1,750 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Slate |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 180 ft deep x 89 ft wide |
| Garage Type | Mixed |
| Garage Area | 441 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 642 sqft |
| Deck Area | 279 sqft |
| Patio Area | 279 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 145652 |
|---|---|
| Street Address | 125 SPRING ST NW |
| City | CONCORD |
| State | NC |
| Zip | 28025-4749 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Historical Building |
| Local Zoning Code | RM-2 |
| Legal Description | WEST INTERSEC SPRING ST & FRANKLIN AVE |
| Legal Subdivision | NORTH HISTORIC CONCORD |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 12, CONCORD |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 41902 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the North Union Street Historic District listed 1986 · 150 contributing resources · NRIS 86000789 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
125 Spring St NW, a historical building, is owned by two individuals who bought it in April 2021.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 125 SPRING ST NW, CONCORD, NC 28025-4749 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 29, 2023 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Apr 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage COGENT BANK |
| Nov 1, 2018 | Deed of Trust, Mortgage · Conventional with PMI FAIRWAY INDEPENDENT MTG |
| Nov 1, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2021 · Amount on File |
| Deed Sale | Apr 15, 2021 · Amount on File |
| Prior Sale | Nov 26, 2013 · Amount on File |
| Deed Book / Page | 15093 / 120 |
| Prior Transfer Date | Apr 7, 2020 |
| Prior Transfer Doc | 0014242245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 125 SPRING ST NW, CONCORD, NC 28025-4749 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 125 SPRING ST NW, CONCORD, NC 28025-4749 |
| Document Number | 0016664291 |
|---|---|
| Date | Sep 29, 2023 |
| Book Page | 16664/291 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | HUNTERSVILLE, NC 28078 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 19, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Apr 15, 2021 |
| Property Address | 125 SPRING ST NW, CONCORD, NC 28025-4749 |
| Document Number | 0015093120 |
| Book / Page | 15093 / 120 |
| Instrument Date | Mar 31, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1340 EDGEWOOD AVE, 1340, BOWLING GREEN, KY 42103-2423 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 125 SPRING ST NW, CONCORD, NC 28025-4749 |
| Document Number | 0015093123 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 15093/123 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 125 SPRING ST NW, CONCORD, NC 28025-4749 |
| Document Number | 1325620 |
| Instrument Date | Nov 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 125 SPRING ST NW CONCORD NC 280254749, CONCORD, NC 28025-4749 |
| Document Number | 1325620 |
|---|---|
| Date | Nov 5, 2018 |
| Book Page | 013256/000020 |
| Instrument | 27794 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 4, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 125 SPRING ST NW, CONCORD, NC 28025-4749 |
| Document Number | 1325640 |
| Instrument Date | Nov 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 125 SPRING ST NW CONCORD NC 280254749, CONCORD, NC 28025-4749 |
| Document Number | 1325640 |
|---|---|
| Date | Nov 5, 2018 |
| Book Page | 013256/000040 |
| Instrument | 27795 |
| Name | FIRST CITIZENS BK |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611-6592 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $853,940 (-) Land $126,160 Building $727,780 | ||
| 2025 | $853,940 Land $126,160 Building $727,780 | ||
| 2024 | $853,940 (+49.03%) Land $126,160 Building $727,780 | ||
| 2023 | $6,991.00 Additional exemption filed | $573,000 Land $106,800 Building $466,200 | $573,000 Land $106,800 Building $466,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 125 Spring St NW in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 125 Spring St NW is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 369 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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