Cabarrus County property record for 408 Spruce Pl SE, Concord, NC 28025 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,402 sqft · built 1958 |
| Lot Size | 0.69 acres (30,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $389,000 (Sep 2024) |
| Tax Bill | $3,405 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 5630 47 9354 |
| Primary APN | 5630 47 9354 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,402 sqft Living Area |
| Gross Area | 2,913 sqft |
| 1st Floor Area | 2,402 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 30,250 sqft (0.69 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 950 sqft |
| Porch | Slab |
| Porch Area | 25 sqft |
| Patio Area | 486 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 173582 |
|---|---|
| Street Address | 408 SPRUCE PL SE |
| City | CONCORD |
| State | NC |
| Zip | 28025-2700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 9-10 DELLWOOD |
| Legal Subdivision | SUMMIT DRIVE |
| Legal Lot Number | 9-10 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 12, CONCORD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 42202 |
Source: Cabarrus County records · APN 5630 47 9354
Assessment roll updated September 23, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 408 SPRUCE PL SE, CONCORD, NC 28025-2700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 30, 2024 · Amount on Record |
| Deed Sale | Sep 30, 2024 · Amount on Record |
| Deed Document Number | 202420877 |
| Deed Book / Page | 17121 / 193 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 408 SPRUCE PL SE, CONCORD, NC 28025-2700 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 14431126 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 14431/126 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Cabarrus County records · Assessment roll updated September 23, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,405.00 (+55.05%) | $341,870 (+89.95%) Land $63,000 Building $278,870 | |
| 2024 | $341,870 (+89.95%) Land $63,000 Building $278,870 | ||
| 2023 | $2,196.00 | $179,980 Land $40,000 Building $139,980 | $179,980 Land $40,000 Building $139,980 |
Source: FEMA National Flood Hazard Layer, Cabarrus County (37025C), updated July 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370250422022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Nov 2020, river or lake flooding |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 5,263 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 137 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Google Fiber | Fiber | 8,000 / 8,000 |
| Uniti Group | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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