2434 Spruce St, Kannapolis, NC 28081 Property Records

Cabarrus County property record for 2434 Spruce St, Kannapolis, NC 28081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,079 sqft · built 2016
Lot Size	0.329 acres (14,331 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Jun 2016)
Tax Bill	$3,568 (2023)
Deeds & Mortgages	Oct 2022 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04064A0039.000000`

Property Details

APN / Parcel Number

Primary APN	`04064A0039.000000`
Alternative APNs	`5612 45 2709` `109122` `158654`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,079 sqft Living Area
Gross Area	3,960 sqft
1st Floor Area	1,307 sqft
Upper Floors Area	1,772 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	14,331 sqft (0.329 acres)
Lot Dimensions	190 ft deep x 75 ft wide
Garage Type	Mixed
Garage Area	569 sqft
Driveway	Concrete Driveway
Driveway Area	592 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	136 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	158654
Street Address	2434 SPRUCE ST
City	KANNAPOLIS
State	NC
Zip	28081-5883
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LT 39 AZALEA ESTATES
Legal Subdivision	AZALEA ESTATES
Legal Lot Number	39
Jurisdiction	CABARRUS NC
Township / Civil Division	4, KANNAPOLIS
Census Block Group	2
Census Block	2001
Census Tract	41100

Owner

2434 Spruce St is owned and occupied by an individual who acquired it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2434 SPRUCE ST, KANNAPOLIS, NC 28081-5883
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
Oct 14, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2016 · Amount on File
Deed Sale	Jun 9, 2016 · Amount on File
Deed Document Number	201611961-0094
Deed Book / Page	11961 / 94
Last Transfer Date	Oct 7, 2022
Transfer Doc	0001624341
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	Oct 14, 2022
Property Address	2434 SPRUCE ST, KANNAPOLIS, NC 28081-5883
Document Number	0001624341
Book / Page	16243 / 41
Map Reference	MB 69 PG 65
Instrument Date	Oct 7, 2022
Transaction Type	Transfer
Record Updated	Oct 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2434 SPRUCE ST, KANNAPOLIS, NC 28081-5883

Mortgage

Document Number	0162430044
Date	Oct 14, 2022
Instrument	16243-0044

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	2434 SPRUCE ST, KANNAPOLIS, NC 28081-5883
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14608250
Date	Oct 23, 2020
Book Page	14608/250

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$443,350 (-) Land $65,000 Building $378,350
2025		$443,350 Land $65,000 Building $378,350
2024			$443,350 (+70.22%) Land $65,000 Building $378,350
2023	$3,568.00	$260,460 Land $40,000 Building $220,460	$260,460 Land $40,000 Building $220,460

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

Flood

FEMA maps place 2434 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 2434 Spruce St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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 KANNAPOLIS serves 56,050 people · EPA ID NC0180065
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Apr 2026
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 179 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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