176 Spring St SW, Concord, NC 28025 Property Records

Cabarrus County property record for 176 Spring St SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,635 sqft · built 1940
Lot Size	0.232 acres (10,065 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Jan 2022)
Tax Bill	$1,573 (2023)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5620 96 7331`

Property Details

APN / Parcel Number

Primary APN	`5620 96 7331`
Alternative APNs	`12036 0096.000000` `127255` `152471`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,635 sqft Living Area
Gross Area	2,422 sqft
1st Floor Area	1,245 sqft
Upper Floors Area	390 sqft
Basement Area	585 sqft
Unfinished Basement	585 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,065 sqft (0.232 acres)
Lot Dimensions	183 ft deep x 55 ft wide
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft
Driveway	Asphalt Driveway
Driveway Area	1,332 sqft
Porch	Slab
Porch Area	202 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	152471
Street Address	176 SPRING ST SW
City	CONCORD
State	NC
Zip	28025-5035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	SW SIDE SPRING ST SW
Legal Subdivision	SOUTH CORBAN AVE
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	1
Census Block	1003
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

176 Spring St SW is owned and occupied by two individuals who bought it in January 2022.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	176 SPRING ST SW, CONCORD, NC 28025-5035
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 10, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Nov 30, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2022 · Amount on File
Deed Sale	Jan 6, 2022 · Amount on File
Prior Sale	Nov 30, 2018 · Amount on File
Deed Book / Page	15771 / 310
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 6, 2022
Property Address	176 SPRING ST SW, CONCORD, NC 28025-5035
Document Number	0015771310
Book / Page	15771 / 310
Instrument Date	Jan 6, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	485 CRESTSIDE DR SE, 485, CONCORD, NC 28025-2748

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	176 SPRING ST SW, CONCORD, NC 28025-5035

Mortgage

Document Number	0015771312
Date	Jan 6, 2022
Instrument	15771/312

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	176 SPRING ST SW, CONCORD, NC 28025-5035
Document Number	14000212
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 SPRING ST SW CONCORD NC 280255035, CONCORD, NC 28025-5035

Mortgage

Document Number	14000212
Date	Feb 13, 2020
Book Page	014000/000212
Instrument	4483

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	300 Months
Due	Feb 12, 2045

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Nov 30, 2018
Property Address	176 SPRING ST SW, CONCORD, NC 28025-5035
Document Number	1328517
Book / Page	013285 / 000017
Instrument Date	Nov 30, 2018
Instrument	29793
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 SPRING ST SW CONCORD NC 280255035, CONCORD, NC 28025-5035

Mortgage

Document Number	1328520
Date	Nov 30, 2018
Book Page	013285/000020
Instrument	29794

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2048

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		$216,810 Land $50,000 Building $166,810
2024			$216,810 (+68.12%) Land $50,000 Building $166,810
2023	$1,573.00	$128,960 Land $17,000 Building $111,960	$128,960 Land $17,000 Building $111,960

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

Flood

FEMA maps place 176 Spring St SW 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

Wildfire risk around 176 Spring St SW 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 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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