Cabarrus County property record for 407 Spring St SW, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 921 sqft · built 1980 |
| Lot Size | 0.222 acres (9,633 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (May 2023) |
| Tax Bill | $1,029 (2023) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5630 14 5039 |
| Primary APN | 5630 14 5039 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 921 sqft Living Area |
| Gross Area | 937 sqft |
| 1st Floor Area | 921 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick Veneer |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,633 sqft (0.222 acres) |
| Lot Dimensions | 169 ft deep x 57 ft wide |
| Porch | Slab |
| Porch Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 163241 |
|---|---|
| Street Address | 407 SPRING ST SW |
| City | CONCORD |
| State | NC |
| Zip | 28025-5028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Description | LTS 25 & P/O 24 26 FAIRVIEW BLK A |
| Legal Subdivision | LOGAN COMMUNITY SOUTH |
| Legal Block | A |
| Legal Lot Number | 25 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 12, CONCORD |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 42202 |
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.
407 Spring St SW is owned and occupied by an individual who bought it in May 2023.
Source: Cabarrus County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 SPRING ST SW, CONCORD, NC 28025-5028 |
| 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.
| Date | Document |
|---|---|
| May 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage COGENT BANK |
| Jan 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2023 · Amount on File |
| Deed Sale | May 26, 2023 · Amount on File |
| Prior Sale | Jan 11, 2021 · Amount on File |
| Deed Document Number | 202310552 |
| Deed Book / Page | 16505 / 74 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | May 26, 2023 |
| Property Address | 407 SPRING ST SW, CONCORD, NC 28025-5028 |
| Document Number | 0001650574 |
| Book / Page | 16505 / 74 |
| Map Reference | MB 1 PG 63 |
| Instrument Date | May 26, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 SPRING ST SW, CONCORD, NC 28025-5028 |
| Document Number | 0165050077 |
|---|---|
| Date | May 26, 2023 |
| Instrument | 16505-0077 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Number | 0001650589 |
|---|---|
| Date | May 26, 2023 |
| Book Page | 16505/89 |
| Name | MONROE UNION COUNTY CDC |
|---|---|
| Type | Non-Lending Institution |
| Address | MONROE, NC 28112 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jan 11, 2021 |
| Property Address | 407 SPRING ST SW, CONCORD, NC 28025-5028 |
| Document Number | 0014819309 |
| Book / Page | 14819 / 309 |
| Map Reference | MB 1 G 63 |
| Instrument Date | Jan 8, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | MERIDIAN TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $254.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 77 MCCACHEM BOULEVARD SE #11, 77, CONCORD, NC 28025 |
| Name | Verified Name |
|---|---|
| Address | 407 SPRING ST SW, CONCORD, NC 28025-5028 |
| Document Number | 0014819312 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 14819/312 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $185,350 Land $45,000 Building $140,350 | ||
| 2024 | $185,350 (+119.69%) Land $45,000 Building $140,350 | ||
| 2023 | $1,029.00 | $84,370 Land $27,000 Building $57,370 | $84,370 Land $27,000 Building $57,370 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 407 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 risk around 407 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 80% of the US · lower than 76% 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.
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 243 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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