1692 Spears Dr NW, Concord, NC 28027 Property Records

Cabarrus County property record for 1692 Spears Dr NW, Concord, NC 28027

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,990 sqft · built 2019
Lot Size	0.153 acres (6,665 sqft)
Owner	2 Individual Names on Record
Last Sale	$366,000 (Aug 2019)
Tax Bill	$4,489 (2023)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02031F0012.000000`

Property Details

APN / Parcel Number

Primary APN	`02031F0012.000000`
Alternative APNs	`4680 41 5805` `132571`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,990 sqft Living Area
Gross Area	3,910 sqft
1st Floor Area	1,281 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	6,665 sqft (0.153 acres)
Lot Dimensions	128 ft deep x 52 ft wide
Garage Type	Mixed
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	640 sqft
Porch	Slab
Porch Area	90 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	132571
Street Address	1692 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 12 EDENTON AT COX MILL
Legal Subdivision	EDENTON AT COX MILL
Legal Lot Number	12
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1692 SPEARS DR NW, CONCORD, NC 28027-8763
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 27, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2019 · Amount on Record
Deed Sale	Aug 27, 2019 · Amount on Record
Deed Book / Page	13684 / 11
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1692 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	0014389310
Date	Aug 5, 2020
Book Page	14389/310

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

August 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 27, 2019
Property Address	1692 SPEARS DR NW, CONCORD, NC 28027-8763
Document Number	1368411
Book / Page	013684 / 000011
Instrument Date	Aug 26, 2019
Instrument	22610
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 5, 2020
Title Company	TRANSOHIO TITLE, TRANSOHIO TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$732.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1692 SPEARS DR NW CONCORD NC 280278763, CONCORD, NC 28027-8763

Mortgage

Document Number	1368413
Date	Aug 27, 2019
Book Page	013684/000013
Instrument	22611

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	Aug 26, 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		$601,840 (+61.58%) Land $120,000 Building $481,840
2024			$601,840 (+61.58%) Land $120,000 Building $481,840
2023	$4,489.00	$372,470 Land $86,000 Building $286,470	$372,470 Land $86,000 Building $286,470

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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