Cabarrus County property record for 311 Cold Springs Rd, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,725 sqft · built 1966 |
| Lot Size | 0.345 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Aug 2023) |
| Tax Bill | $1,203 (2023) |
| Deeds & Mortgages | Dec 2025 Mortgage Aug 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08021A0008.000000 |
| Primary APN | 08021A0008.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,725 sqft Living Area |
| Gross Area | 2,403 sqft |
| 1st Floor Area | 1,305 sqft |
| Sunroom | Sunroom |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2011 |
| 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 | Mixed |
| Garage Area | 322 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,000 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 230 sqft |
| Patio Area | 170 sqft |
| Storage Building | 126 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 117109 |
|---|---|
| Street Address | 311 COLD SPRINGS RD |
| City | CONCORD |
| State | NC |
| Zip | 28025-7232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AO |
| Legal Description | LT 8 ROYAL ACRES |
| Legal Subdivision | LAKE LYNN LODGE |
| Legal Lot Number | 8 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 8, MOUNT PLEASANT |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 41702 |
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 | 311 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC |
| Aug 17, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 17, 2023 | Warranty Deed, Subdivision Related Transfer |
| Dec 13, 2022 | Trustee's Deed, Foreclosure · Commercial Mortgage AMERICAN HERITAGE LENDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2023 · Amount on Record |
| Deed Sale | Aug 17, 2023 · Amount on Record |
| Prior Sale | Dec 13, 2022 · Amount on Record |
| Deed Document Number | 202317084 |
| Deed Book / Page | 16612 / 175 |
| Prior Transfer Date | Apr 27, 2012 |
| Prior Transfer Doc | 9995258 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 311 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|---|
| Address | 311 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Document Number | 0000177789 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 17778/9 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | MURFREESBORO, TN 37129 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Aug 17, 2023 |
| Property Address | 311 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Document Number | 0016612175 |
| Book / Page | 16612 / 175 |
| Map Reference | MB 13 PG 41 |
| Instrument Date | Aug 17, 2023 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 36976 CREEKWOOD RD, NEW LONDON, NC 28127-6757 |
| Name | Verified Name |
|---|---|
| Address | 311 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Document Number | 0166120178 |
|---|---|
| Date | Aug 17, 2023 |
| Instrument | 16612-0178 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Aug 17, 2023 |
| Property Address | 311 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Document Number | 0016611175 |
| Book / Page | 16611 / 175 |
| Map Reference | MB 13 PG 41 |
| Instrument Date | Aug 17, 2023 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 311 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Dec 13, 2022 |
| Property Address | 311 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Document Number | 0016309177 |
| Book / Page | 16309 / 177 |
| Map Reference | MAP 13 PG 41 |
| Instrument Date | Dec 3, 2022 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $284.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | PO BOX 30081, CHARLOTTE, NC 28230-0081 |
| Name | Verified Name |
|---|---|
| Address | 36976 CREEKWOOD RD, NEW LONDON, NC 28127-6757 |
| Document Number | 0163090181 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 16309-0181 |
| Name | AMERICAN HERITAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $336,070 (-) Land $64,000 Building $272,070 | ||
| 2025 | $336,070 (+129.15%) Land $64,000 Building $272,070 | ||
| 2024 | $336,070 (+129.15%) Land $64,000 Building $272,070 | ||
| 2023 | $1,203.00 | $146,660 Land $36,000 Building $110,660 | $146,660 Land $36,000 Building $110,660 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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