323 Spring St SW, Concord, NC 28025 Property Records

Cabarrus County property record for 323 Spring St SW, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,588 sqft · built 1931
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$208,000 (Nov 2017)
Tax Bill	$2,744 (2023)
Deeds & Mortgages	Jun 2023 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5630 04 9900`

Property Details

APN / Parcel Number

Primary APN	`5630 04 9900`
Alternative APNs	`12039 0080.000000` `119322`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,588 sqft Living Area
Gross Area	2,410 sqft
1st Floor Area	1,588 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	185 ft deep x 56 ft wide
Garage Type	Unfinished
Garage Area	432 sqft
Driveway	Concrete Driveway
Driveway Area	900 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	119322
Street Address	323 SPRING ST SW
City	CONCORD
State	NC
Zip	28025-5026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	EAST SIDE SPRING ST
Legal Subdivision	LOGAN COMMUNITY SOUTH
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	1
Census Block	1020
Census Tract	42202

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Union Street Historic District listed 1986 · 69 contributing resources · NRIS 86000736

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

323 Spring St SW is owned and occupied by two individuals who bought it in November 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	323 SPRING ST SW, CONCORD, NC 28025-5026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 20, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jun 12, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 13, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2017 · Amount on File
Deed Sale	Nov 13, 2017 · Amount on File
Prior Sale	Jun 30, 2008 · Amount on File
Deed Document Number	201712762-0053
Deed Book / Page	12762 / 53
Prior Transfer Date	Aug 31, 2005
Prior Transfer Doc	6198336
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	323 SPRING ST SW, CONCORD, NC 28025-5026
Transaction Type	Mortgage
Record Updated	Jul 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0016536229
Date	Jun 20, 2023
Book Page	16536/229

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	323 SPRING ST SW, CONCORD, NC 28025-5026
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1424475
Date	Jun 12, 2020
Book Page	14244/75

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Nov 13, 2017
Property Address	323 SPRING ST SW, CONCORD, NC 28025-5026
Document Number	1276253
Book / Page	012762 / 000053
Instrument Date	Nov 13, 2017
Instrument	29481
Transaction Type	Transfer
Record Updated	Nov 17, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$416.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	323 SPRING ST SW CONCORD NC 280255026, CONCORD, NC 28025-5026

Mortgage

Document Number	1276256
Date	Nov 13, 2017
Book Page	012762/000056
Instrument	29482

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$351,070 (-) Land $50,000 Building $301,070
2025		$351,070 Land $50,000 Building $301,070
2024			$351,070 (+56.09%) Land $50,000 Building $301,070
2023	$2,744.00	$224,910 Land $30,000 Building $194,910	$224,910 Land $30,000 Building $194,910

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

Flood

FEMA maps place 323 Spring St SW in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 1, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 323 Spring St SW 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 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.02% 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 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Google Fiber.

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