231 Cold Springs Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 231 Cold Springs Rd, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,442 sqft · built 1966
Lot Size	0.345 acres (15,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (May 2024)
Tax Bill	$2,078 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08021A0006.000000`

Property Details

APN / Parcel Number

Primary APN	`08021A0006.000000`
Alternative APNs	`5640 98 3745` `136878` `156503` `114606`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,442 sqft Living Area
Gross Area	2,092 sqft
1st Floor Area	1,442 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.345 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	315 sqft
Carport	Carport
Carport Area	315 sqft
Driveway	Concrete Driveway
Driveway Area	2,000 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	192 sqft
Storage Building	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	114606
Street Address	231 COLD SPRINGS RD
City	CONCORD
State	NC
Zip	28025-7231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AO
Legal Description	LT 6 ROYAL ACRES
Legal Subdivision	LAKE LYNN LODGE
Legal Lot Number	6
Jurisdiction	CABARRUS NC
Township / Civil Division	8, MOUNT PLEASANT
Census Block Group	1
Census Block	1015
Census Tract	41702

Owner

Source: Cabarrus County records, as of March 24, 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	231 COLD SPRINGS RD, CONCORD, NC 28025-7231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2022	Warranty Deed, Transfer · FHA Mortgage MCLEAN MORTGAGE CORP
Aug 31, 2021	Warranty Deed, Transfer · Conventional Mortgage SPROUT MORTGAGE LLC
Mar 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2024 · Amount on Record
Deed Sale	May 20, 2024 · Amount on Record
Prior Sale	Jul 13, 2022 · Amount on Record
Deed Document Number	202410265
Deed Book / Page	16937 / 203
Prior Transfer Date	Mar 1, 2020
Prior Transfer Doc	14061245
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jul 13, 2022
Property Address	231 COLD SPRINGS RD, CONCORD, NC 28025-7231
Document Number	0016112182
Book / Page	16112 / 182
Map Reference	MB 13 PG 41
Instrument Date	Jul 13, 2022
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	NOT AVAILABLE, INVESTORS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36976 CREEKWOOD RD, 36976, NEW LONDON, NC 28127-6757

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 COLD SPRINGS RD, CONCORD, NC 28025-7231

Mortgage

Document Number	0161120184
Date	Jul 13, 2022
Instrument	16112-0184

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 31, 2021
Property Address	231 COLD SPRINGS RD, CONCORD, NC 28025-7231
Document Number	0015456240
Book / Page	15456 / 240
Map Reference	MB 13 PG 41
Instrument Date	Aug 27, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28127 ROWLAND RD, 28127, LOCUST, NC 28097-7271

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36976 CREEKWOOD ROAD, UNION MILLS, NC 28167

Mortgage

Document Number	0015456246
Date	Aug 31, 2021
Instrument	15456/246

Lender

Name	SPROUT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CABARRUS NC
Recording Date	Mar 16, 2020
Property Address	231 COLD SPRINGS RD, CONCORD, NC 28025-7231
Document Number	14061245
Book / Page	014061 / 000245
Instrument Date	Mar 16, 2020
Instrument	8088
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28124 ROWLAND RD LOCUST NC 28097, LOCUST, NC 28097

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of September 23, 2025

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
2025	$2,078.00 (+92.23%)	$316,790 (+68.92%) Land $64,000 Building $252,790
2024			$316,790 (+68.92%) Land $64,000 Building $252,790
2023	$1,081.00	$187,540 Land $36,000 Building $151,540	$187,540 Land $36,000 Building $151,540

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	2 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	0.05% 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 78 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	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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