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1684 Spears Dr NW, Concord, NC 28027 Property Records

Cabarrus County property record for 1684 Spears Dr NW, Concord, NC 28027

Property Summary

Property TypeSingle Family Home
Details5 bd · 3.5 ba · 2,800 sqft · built 2019
Lot Size0.154 acres (6,708 sqft)
Owner2 Individual Names on File
Last Sale$356,000 (Aug 2019)
Tax Bill$4,363 (2023)
Deeds & MortgagesAug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN02031F0010.000000

Property Details

APN / Parcel Number

Primary APN02031F0010.000000
Alternative APNs
  • 4680 41 5906
  • 132604

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,800 sqft Living Area
Gross Area3,722 sqft
1st Floor Area1,266 sqft
FlooringHardwood
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialOther
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area6,708 sqft (0.154 acres)
Lot Dimensions128 ft deep x 52 ft wide
Garage TypeMixed
Garage Area462 sqft
DrivewayConcrete Driveway
Driveway Area576 sqft
PorchSlab
Patio Area430 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number132604
Street Address1684 SPEARS DR NW
CityCONCORD
StateNC
Zip28027-8763
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePRD
Legal DescriptionLT 10 EDENTON AT COX MILL
Legal SubdivisionEDENTON AT COX MILL
Legal Lot Number10
JurisdictionCABARRUS NC
Township / Civil Division2, POPLAR TENT
Census Block Group1
Census Block1011
Census Tract41306

Owner

1684 Spears Dr NW is owned and occupied by two individuals who bought it in August 2019.

Source: Cabarrus County records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address1684 SPEARS DR NW, CONCORD, NC 28027-8763
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 28, 2019 · Amount on File
Deed SaleAug 28, 2019 · Amount on File
Deed Book / Page13686 / 72
Record UpdatedOct 29, 2026

August 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionCABARRUS NC
Recording DateAug 28, 2019
Property Address1684 SPEARS DR NW, CONCORD, NC 28027-8763
Document Number1368672
Book / Page013686 / 000072
Instrument DateAug 27, 2019
Instrument22770
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 12, 2019
Title CompanyTRANSOHIO TITLE, TRANSOHIO TITLE AGENCY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$712.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address1684 SPEARS DR NW CONCORD NC 280278763, CONCORD, NC 28027-8763

Mortgage

Document Number1368674
DateAug 28, 2019
Book Page013686/000074
Instrument22771
Lender
NameM/L FIN'L LLC
AddressCOLUMBUS, OH 43219
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueAug 27, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCabarrus County
MunicipalityConcord City
Unified School DistrictCabarrus County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$550,700 Land $120,000 Building $430,700
2024$550,700 (+53.26%) Land $120,000 Building $430,700
2023$4,363.00$359,320 Land $86,000 Building $273,320$359,320 Land $86,000 Building $273,320

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

Flood

FEMA maps place 1684 Spears Dr NW in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies7 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

Wildfire risk around 1684 Spears Dr NW is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemCITY OF CONCORD
serves 120,771 people · EPA ID NC0113010
Water SourceSurface water
Last State InspectionAug 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
resolved · Apr 2017
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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