3301 Cold Springs Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 3301 Cold Springs Rd, Concord, NC 28025

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,431 sqft · built 1962
Lot Size	11.7 acres (512,483 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Jan 2016)
Tax Bill	$2,421 (2023)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5569 27 8794`

Property Details

APN / Parcel Number

Primary APN	`5569 27 8794`
Alternative APNs	`08022 0023.100000` `157277` `10978`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,431 sqft Living Area
Gross Area	2,821 sqft
1st Floor Area	1,326 sqft
Basement Area	1,326 sqft
Unfinished Basement	1,326 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1980
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	512,483 sqft (11.7 acres)
Lot Width	200 ft Width
Driveway	Concrete Driveway
Driveway Area	1,408 sqft

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Shed	1 Shed
Shed Area	1,140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	157277
Street Address	3301 COLD SPRINGS RD
City	CONCORD
State	NC
Zip	28025-8026
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	CR
Legal Description	NORTH SIDE COLD SPRINGS RD
Legal Subdivision	MT PLEASANT HIGH SCHOOL
Jurisdiction	CABARRUS NC
Township / Civil Division	8, MOUNT PLEASANT
Census Block Group	3
Census Block	3015
Census Tract	41701

Owner

3301 Cold Springs Rd, a rural home, is owned and occupied by two individuals who acquired it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3301 COLD SPRINGS RD, CONCORD, NC 28025-8026
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
Aug 19, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 19, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Nov 21, 2019	Deed of Trust, Mortgage · Conventional with PMI GATEWAY MTG GRP
Aug 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOAN ONE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2016 · Amount on File
Deed Sale	Jan 15, 2016 · Amount on File
Deed Book / Page	11752 / 238
Last Transfer Date	Aug 10, 2022
Transfer Doc	0016165314
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	3301 COLD SPRINGS RD, CONCORD, NC 28025-8026
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016165332
Date	Aug 19, 2022
Book Page	16165/332

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	Aug 19, 2022
Property Address	3301 COLD SPRINGS RD, CONCORD, NC 28025-8026
Document Number	0016165314
Book / Page	16165 / 314
Instrument Date	Aug 10, 2022
Transaction Type	Transfer
Record Updated	Aug 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 JOSHUA PL NW APT 21, 400, CONCORD, NC 28027-0209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3301 COLD SPRINGS RD, CONCORD, NC 28025-8026

Mortgage

Document Number	0161650317
Date	Aug 19, 2022
Instrument	16165-0317

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2042

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	3301 COLD SPRINGS RD, CONCORD, NC 28025-8026
Document Number	13875188
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	LANDSEL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3301 COLD SPRINGS RD CONCORD NC 280258026, CONCORD, NC 28025-8026

Mortgage

Document Number	13875188
Date	Dec 5, 2019
Book Page	013875/000188
Instrument	33758

Lender

Name	GATEWAY MTG GRP
Address	JENKS, OK 74037

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	3301 COLD SPRINGS RD, CONCORD, NC 28025-8026
Document Number	12648233
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Jun 15, 2018
Title Company	LANDSEL TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3301 COLD SPRINGS RD E CONCORD NC 280258026, CONCORD, NC 28025-8026

Mortgage

Document Number	12648233
Date	Aug 28, 2017
Book Page	012648/000233
Instrument	22219

Lender

Name	LOAN ONE
Type	Funding / Finance Company
Address	WESTERVILLE, OH 43081

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$234,480 (-)
2025		$234,480
2024			$437,490 (+55.03%) Land $241,870 Building $195,620
2023	$2,421.00	$282,200 Land $159,120 Building $123,080	$282,200 Land $159,120 Building $123,080

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

Flood

FEMA maps place 3301 Cold Springs Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Nov 2020 · 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 3301 Cold Springs Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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