166 Spring St SW, Concord, NC 28025 Property Records

Cabarrus County property record for 166 Spring St SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,348 sqft · built 1900
Lot Size	0.162 acres (7,035 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Apr 2020)
Tax Bill	$1,479 (2023)
Deeds & Mortgages	Jul 2020 Loan Modification Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5620 96 5572`

Property Details

APN / Parcel Number

Primary APN	`5620 96 5572`
Alternative APNs	`12029 0066.000000` `137342`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,348 sqft Living Area
Gross Area	1,588 sqft
1st Floor Area	1,348 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,035 sqft (0.162 acres)
Lot Dimensions	105 ft deep x 67 ft wide
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	137342
Street Address	166 SPRING ST SW
City	CONCORD
State	NC
Zip	28025-5024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	WEST SIDE SPRING ST SW
Legal Subdivision	SOUTH CORBAN AVE
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	1
Census Block	1000
Census Tract	42101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Union Street Historic District listed 1986 · 69 contributing resources · NRIS 86000736

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	Individual Name on Record
Mailing Address	166 SPRING ST SW, CONCORD, NC 28025-5024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Loan Modification, Mortgage STATE EMPS CU
Apr 14, 2020	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU
Dec 20, 2019	Warranty Deed, Transfer HEATHER DAVIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2020 · Amount on Record
Deed Sale	Apr 14, 2020 · Amount on Record
Prior Sale	Dec 20, 2019 · Amount on Record
Deed Book / Page	14115 / 161
Record Updated	Oct 29, 2026

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CABARRUS NC
Property Address	166 SPRING ST SW, CONCORD, NC 28025-5024
Document Number	14327299
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 SPRING ST SN CONCORD NC 28025, CONCORD, NC 28025

Mortgage

Document Number	14327299
Date	Jul 15, 2020
Book Page	014327/000299
Instrument	22206

Lender

Name	STATE EMPS CU
Address	PO BOX 25279, RALEIGH, NC 27611-5279

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

Interest

Rate	4.25%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Apr 14, 2020
Property Address	166 SPRING ST SW, CONCORD, NC 28025-5024
Document Number	0014115161
Book / Page	14115 / 161
Instrument Date	Apr 14, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SOUTHERN HOMES TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$254.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19701 BETHE CHURCH ROAD #201201, 19701, CONCORD, NC 28025

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	166 SPRING STREET SW, CORNELIUS, NC 28031

Mortgage

Document Number	0014115164
Date	Apr 14, 2020
Instrument	14115/164

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Dec 20, 2019
Property Address	166 SPRING ST SW, CONCORD, NC 28025-5024
Document Number	13908166
Book / Page	013908 / 000166
Instrument Date	Dec 18, 2019
Instrument	35673
Transaction Type	Transfer
Record Updated	Jan 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$107.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	19704 BETHEL CHURCH RD #201 CORNELIUS NC 28031, 201, CORNELIUS, NC 28031
Investor	Possibly a Property Investor

Mortgage

Document Number	13908170
Date	Dec 20, 2019
Book Page	013908/000170
Instrument	35674

Lender

Name	HEATHER DAVIS
Address	220 LAWING RD, CHUCKEY, TN 37641-6727

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Dec 19, 2024

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Concord City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$219,560 (+81.08%) Land $50,000 Building $169,560
2024			$219,560 (+81.08%) Land $50,000 Building $169,560
2023	$1,479.00	$121,250 Land $14,450 Building $106,800	$121,250 Land $14,450 Building $106,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 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

May also be available: Google Fiber, T-Mobile.

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