2475 Spruce St, Kannapolis, NC 28081 Property Records

Cabarrus County property record for 2475 Spruce St, Kannapolis, NC 28081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,994 sqft · built 2017
Lot Size	0.248 acres (10,803 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Apr 2020)
Tax Bill	$2,711 (2023)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Feb 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04064A0003.000000`

Property Details

APN / Parcel Number

Primary APN	`04064A0003.000000`
Alternative APNs	`5612 36 5474` `120815` `182604`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,994 sqft Living Area
Gross Area	2,774 sqft
1st Floor Area	936 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	10,803 sqft (0.248 acres)
Lot Dimensions	133 ft deep x 63 ft wide
Garage Type	Mixed
Garage Area	510 sqft
Driveway	Concrete Driveway
Driveway Area	792 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	90 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	182604
Street Address	2475 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 3 AZALEA ESTATES
Legal Subdivision	AZALEA ESTATES
Legal Lot Number	3
Jurisdiction	CABARRUS NC
Township / Civil Division	4, KANNAPOLIS
Census Block Group	3
Census Block	3016
Census Tract	41100

Owner

2475 Spruce St is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2475 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
Apr 27, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Feb 1, 2019	Warranty Deed, Transfer OTHER
Feb 2, 2018	Warranty Deed, Subdivision Related Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG
Dec 14, 2017	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2020 · Amount on File
Deed Sale	Apr 27, 2020 · Amount on File
Prior Sale	Feb 2, 2018 · Amount on File
Deed Book / Page	14140 / 110
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Apr 27, 2020
Property Address	2475 SPRUCE ST, KANNAPOLIS, NC 28081-5883
Document Number	0014140110
Book / Page	14140 / 110
Map Reference	MB 70 PG 66
Instrument Date	Apr 27, 2020
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	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 609, HARRISBURG, NC 28075-0609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2475 SPRUCE ST, KANNAPOLIS, NC 28081-5883

Mortgage

Document Number	0014140113
Date	Apr 27, 2020
Instrument	14140/113

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Feb 1, 2019
Property Address	2475 SPRUCE ST, KANNAPOLIS, NC 28081-5883
Document Number	13359134
Book / Page	013359 / 000134
Instrument Date	Feb 1, 2019
Instrument	2414
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2475 SPRUCE ST KANNAPOLIS NC 280815883, KANNAPOLIS, NC 28081-5883

February 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Feb 2, 2018
Property Address	2475 SPRUCE ST, KANNAPOLIS, NC 28081-5883
Document Number	1286790
Book / Page	012867 / 000090
Instrument Date	Feb 2, 2018
Instrument	2583
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 11, 2019
Title Company	INDEPENDENCE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$391.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2475 SPRUCE ST KANNAPOLIS NC 28081, KANNAPOLIS, NC 28081

Mortgage

Document Number	1286792
Date	Feb 2, 2018
Book Page	012867/000092
Instrument	2584

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CABARRUS NC
Recording Date	Dec 14, 2017
Property Address	2475 SPRUCE ST, KANNAPOLIS, NC 28081-5883
Book / Page	012806 / 000026
Instrument Date	Dec 8, 2017
Instrument	32275
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2649 BREKONRIDGE CENTRE DR #1 MONROE NC 281105629, 1, MONROE, NC 28110-5629
Investor	Possibly a Property Investor

Mortgage

Document Number	1280626
Date	Dec 14, 2017
Book Page	012806/000026
Instrument	32275

Lender

Name	SUNTRUST BK
Type	Bank
Address	4555 MANSELL RD # 100MAI, ALPHARETTA, GA 30022-8277

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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	Kannapolis City Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$348,340 Land $65,000 Building $283,340
2024			$348,340 (+76.04%) Land $65,000 Building $283,340
2023	$2,711.00	$197,880 Land $40,000 Building $157,880	$197,880 Land $40,000 Building $157,880

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

Flood

FEMA maps place 2475 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	8 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2018 · rainfall accumulation

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 2475 Spruce St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.02% 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 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 146 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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