1683 Spears Dr NW, Concord, NC 28027 Property Records

Cabarrus County property record for 1683 Spears Dr NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,601 sqft · built 2019
Lot Size	0.139 acres (6,055 sqft)
Owner	2 Individual Names on Record
Last Sale	$401,500 (Sep 2019)
Tax Bill	$5,099 (2023)
Deeds & Mortgages	Jan 2024 Line of Credit Apr 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02031F0066.000000`

Property Details

APN / Parcel Number

Primary APN	`02031F0066.000000`
Alternative APNs	`4680 41 6988` `141099`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,601 sqft Living Area
Gross Area	4,388 sqft
1st Floor Area	1,541 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Other
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,055 sqft (0.139 acres)
Lot Dimensions	116 ft deep x 52 ft wide
Garage Type	Mixed
Garage Area	645 sqft
Driveway	Concrete Driveway
Driveway Area	592 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	141099
Street Address	1683 SPEARS DR NW
City	CONCORD
State	NC
Zip	28027-8763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Description	LT 66 EDENTON AT COX MILL
Legal Subdivision	EDENTON AT COX MILL
Legal Lot Number	66
Jurisdiction	CABARRUS NC
Township / Civil Division	2, POPLAR TENT
Census Block Group	1
Census Block	1011
Census Tract	41306

Owner

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	1683 SPEARS DR NW, CONCORD, NC 28027-8763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Apr 23, 2021	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Oct 20, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage SI MORTGAGE COMPANY
Sep 30, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Deed Book / Page	13752 / 310
Last Transfer Date	Oct 15, 2020
Transfer Doc	14597120
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1683 SPEARS DR NW, CONCORD, NC 28027-8763
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016790107
Date	Jan 24, 2024
Book Page	16790/107

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1683 SPEARS DR NW, CONCORD, NC 28027-8763
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001511510
Date	Apr 23, 2021
Book Page	15115/10

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	Oct 20, 2020
Property Address	1683 SPEARS DR NW, CONCORD, NC 28027-8763
Document Number	0014597120
Book / Page	14597 / 120
Instrument Date	Oct 15, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1683 SPEARS DR NW, CONCORD, NC 28027-8763

Mortgage

Document Number	0014597123
Date	Oct 20, 2020
Instrument	14597/123

Lender

Name	SI MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

September 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Sep 30, 2019
Property Address	1683 SPEARS DR NW, CONCORD, NC 28027-8763
Document Number	13752310
Book / Page	013752 / 000310
Instrument Date	Sep 27, 2019
Instrument	26574
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 19, 2019
Title Company	TRANSOHIO TITLE, TRANSOHIO TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$803.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1683 SPEARS DR NW CONCORD NC 280278763, CONCORD, NC 28027-8763

Mortgage

Document Number	13752312
Date	Sep 30, 2019
Book Page	013752/000312
Instrument	26575

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

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		$653,830 (-) Land $120,000 Building $533,830
2025		$653,830 (+56.45%) Land $120,000 Building $533,830
2024			$653,830 (+56.45%) Land $120,000 Building $533,830
2023	$5,099.00	$417,920 Land $86,000 Building $331,920	$417,920 Land $86,000 Building $331,920

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	0.03% annual chance
Exposure	Direct burnable vegetation

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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

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