Cabarrus County property record for 321 Cold Springs Rd, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,375 sqft · built 1969 |
| Lot Size | 0.345 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Jun 2024) |
| Tax Bill | $2,089 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Nov 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08021A0009.000000 |
| Primary APN | 08021A0009.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,375 sqft Living Area |
| Gross Area | 1,958 sqft |
| 1st Floor Area | 1,375 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 2005 |
| 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 | 576 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 900 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 116 sqft |
| Patio Area | 160 sqft |
| Storage Building | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 171153 |
|---|---|
| Street Address | 321 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 9 ROYAL ACRES |
| Legal Subdivision | LAKE LYNN LODGE |
| Legal Lot Number | 9 |
| 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 May 21, 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 | 321 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 6, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Nov 22, 2022 | Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Mar 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Aug 29, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2024 · Amount on Record |
| Deed Sale | Jun 18, 2024 · Amount on Record |
| Prior Sale | Nov 22, 2022 · Amount on Record |
| Deed Document Number | 202412447 |
| Deed Book / Page | 16975 / 44 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 321 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 321 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Document Number | 0001770778 |
|---|---|
| Date | Nov 6, 2025 |
| Book Page | 17707/78 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27609 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.77% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.77% |
| Max Rate At Change | 7.77% |
| Index | 5-Year CMT |
| Max Rate | 11.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Nov 22, 2022 |
| Property Address | 321 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Document Number | 0001629084 |
| Book / Page | 16290 / 84 |
| Map Reference | MB 13 PG 4 |
| Instrument Date | Nov 18, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Title Company | ATLANTIC CAROLINAS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 169 RINER AVE, 169, OAK HILL, WV 25901-2651 |
| Name | Verified Name |
|---|---|
| Address | 321 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Document Number | 0162900087 |
|---|---|
| Date | Nov 22, 2022 |
| Instrument | 16290-0087 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 321 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0015904170 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 15904/170 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Aug 29, 2018 |
| Property Address | 321 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
| Document Number | 0013158229 |
| Book / Page | 13158 / 0229 |
| Map Reference | MAP13 PG41 |
| Instrument Date | Aug 29, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $390.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1042 JASMINE CIR, 1042, SALISBURY, NC 28147-5688 |
| Name | Verified Name |
|---|---|
| Address | 321 COLD SPRINGS RD, CONCORD, NC 28025-7232 |
Source: Cabarrus County assessment roll, as of September 23, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,089.00 (+26.15%) | $318,490 (+57.75%) Land $64,000 Building $254,490 | |
| 2024 | $318,490 (+57.75%) Land $64,000 Building $254,490 | ||
| 2023 | $1,656.00 | $201,890 Land $36,000 Building $165,890 | $201,890 Land $36,000 Building $165,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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