Cabarrus County property record for 195 Spring St NW, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,888 sqft · built 1955 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $355,000 (Mar 2021) |
| Tax Bill | $3,005 (2023) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Nov 2020 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5620 69 7315 |
| Primary APN | 5620 69 7315 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,888 sqft Living Area |
| Gross Area | 6,108 sqft |
| 1st Floor Area | 2,888 sqft |
| Basement Area | 2,088 sqft |
| Finished Basement | 2,088 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 178 ft deep x 79 ft wide |
| Garage Type | Mixed |
| Garage Area | 812 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 1,440 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 80 sqft |
| Patio Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 144694 |
|---|---|
| Street Address | 195 SPRING ST NW |
| City | CONCORD |
| State | NC |
| Zip | 28025-4711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | SW SIDE SPRING ST NW |
| Legal Subdivision | BOYS CLUB |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 12, CONCORD |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 41902 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the North Union Street Historic District listed 1986 · 150 contributing resources · NRIS 86000789 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 195 SPRING ST NW, CONCORD, NC 28025-4711 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage SHARONVIEW FCU |
| Nov 2, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Sep 27, 2019 | Deed of Trust, Mortgage · VA Mortgage FIRSTBANK |
| Jul 28, 2018 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2021 · Amount on Record |
| Deed Sale | Mar 8, 2021 · Amount on Record |
| Prior Sale | Mar 31, 2009 · Amount on Record |
| Deed Book / Page | 14977 / 333 |
| Prior Transfer Date | Oct 31, 2020 |
| Prior Transfer Doc | 14633145 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Mar 8, 2021 |
| Property Address | 195 SPRING ST NW, CONCORD, NC 28025-4711 |
| Document Number | 0014977333 |
| Book / Page | 14977 / 333 |
| Instrument Date | Mar 5, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $710.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 207 S ROSE AVE, 207, KANNAPOLIS, NC 28083-4417 |
| Name | Verified Name |
|---|---|
| Address | 195 SPRING ST NW, CONCORD, NC 28025-4711 |
| Document Number | 0014977336 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 14977/336 |
| Name | SHARONVIEW FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Nov 2, 2020 |
| Property Address | 195 SPRING ST NW, CONCORD, NC 28025-4711 |
| Document Number | 14633145 |
| Book / Page | 014633 / 000145 |
| Instrument Date | Oct 31, 2020 |
| Instrument | 38433 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 195 SPRING ST NW CONCORD NC 280254711, CONCORD, NC 28025-4711 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 195 SPRING ST NW, CONCORD, NC 28025-4711 |
| Document Number | 1375943 |
| Instrument Date | Sep 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2019 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Address | 195 SPRING ST NW CONCORD NC 280254711, CONCORD, NC 28025-4711 |
| Document Number | 1375943 |
|---|---|
| Date | Oct 2, 2019 |
| Book Page | 013759/000043 |
| Instrument | 26908 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37067 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 195 SPRING ST NW, CONCORD, NC 28025-4711 |
| Document Number | 131171 |
| Instrument Date | Jul 28, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 195 SPRING ST NW CONCORD NC 280254711, CONCORD, NC 28025-4711 |
| Document Number | 131171 |
|---|---|
| Date | Aug 1, 2018 |
| Book Page | 013117/000001 |
| Instrument | 18924 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2048 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $352,070 (-) Land $63,600 Building $288,470 | ||
| 2025 | $352,070 (+42.03%) Land $63,600 Building $288,470 | ||
| 2024 | $352,070 (+42.03%) Land $63,600 Building $288,470 | ||
| 2023 | $3,005.00 | $247,880 Land $20,400 Building $227,480 | $247,880 Land $20,400 Building $227,480 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 369 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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