1955 Spears Run Dr, Concord, NC 28025 Property Records

Cabarrus County property record for 1955 Spears Run Dr, Concord, NC 28025

Property Summary

Property Type	Rural Home
Details	4 bd · 4.5 ba · 3,978 sqft · built 2023
Lot Size	4.68 acres (203,861 sqft)
Owner	2 Individual Names on File
Last Sale	$236,000 (Dec 2021)
Tax Bill	$591 (2023)
Deeds & Mortgages	Dec 2022 Construction Loan Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5525 04 1169`

Property Details

APN / Parcel Number

Primary APN	`5525 04 1169`
Alternative APNs	`01029 0012.600000` `121325` `151890`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,978 sqft Living Area
Gross Area	8,144 sqft
1st Floor Area	3,504 sqft
Attic	Attic
Attic Area	1,760 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Other
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	203,861 sqft (4.68 acres)
Lot Width	230 ft Width
Garage Type	Finished
Garage Area	1,536 sqft
Patio Area	870 sqft
Storage Building	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	151890
Street Address	1955 SPEARS RUN DR
City	CONCORD
State	NC
Zip	28025-6910
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CR
Legal Description	BOUNDARY SURVEY 11255 LOWER ROCKY RIVER RD
Legal Subdivision	PINE GROVE CHURCH RD
Legal Tract	4
Jurisdiction	CABARRUS NC
Township / Civil Division	1, HARRISBURG
Census Block Group	2
Census Block	2011
Census Tract	41507

Owner

1955 Spears Run Dr, a rural home, is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1955 SPEARS RUN DR, CONCORD, NC 28025-6910
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 21, 2022	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Dec 17, 2021	Warranty Deed, Transfer · Conventional Mortgage SOUTHSTATE BANK NA
Feb 9, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2021 · Amount on File
Deed Sale	Dec 17, 2021 · Amount on File
Deed Book / Page	15730 / 193
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	1955 SPEARS RUN DR, CONCORD, NC 28025-6910
Transaction Type	Mortgage
Record Updated	May 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016320214
Date	Dec 21, 2022
Book Page	16320/214

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	12.3%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Dec 17, 2021
Property Address	1955 SPEARS RUN DR, CONCORD, NC 28025-6910
Document Number	0015730193
Book / Page	15730 / 193
Instrument Date	Dec 17, 2021
Transaction Type	Transfer
Record Updated	May 2, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10000 BLOSSOM DR, CONCORD, NC 28025-6917

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 SPEARS RUN DR, CONCORD, NC 28025-6910

Mortgage

Document Number	0015730196
Date	Dec 17, 2021
Instrument	15730/196

Lender

Name	SOUTHSTATE BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Feb 9, 2018
Property Address	1955 SPEARS RUN DR, CONCORD, NC 28025-6910
Document Number	12873191
Book / Page	012873 / 000191
Instrument Date	Feb 9, 2018
Instrument	3056
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$138.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1112 BOTTLE BRUSH LN HARRISBURG NC 280756716, HARRISBURG, NC 28075-6716

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$943,260 Land $119,020 Building $824,240
2024			$943,260 (+1,091.89%) Land $119,020 Building $824,240
2023	$591.00	$79,140 Land $70,330 Building $8,810	$79,140 Land $70,330 Building $8,810

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1955 Spears Run Dr 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 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	5 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 1955 Spears Run Dr is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Windstream DSL	25 / 3

May also be available: AT&T, Verizon.

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