421 Cold Springs Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 421 Cold Springs Rd, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,444 sqft · built 1973
Lot Size	0.537 acres (23,400 sqft)
Owner	Individual Name on Record
Last Sale	$104,500 (May 2008)
Tax Bill	$1,141 (2023)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08021A0015.000000`

Property Details

APN / Parcel Number

Primary APN	`08021A0015.000000`
Alternative APNs	`5640 97 5833` `906877` `160598`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,444 sqft Living Area
1st Floor Area	1,444 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1983
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,400 sqft
Lot Dimensions	150 ft deep x 156 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	1,600 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	116 sqft
Patio Area	280 sqft
Storage Building	63 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	160598
Street Address	421 COLD SPRINGS RD
City	CONCORD
State	NC
Zip	28025-7233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AO
Legal Description	LTS 15 & P/O 16 ROYAL ACRES
Legal Subdivision	ROYAL ACRES SEC 01
Legal Lot Number	15
Jurisdiction	CABARRUS NC
Township / Civil Division	8, MOUNT PLEASANT
Census Block Group	1
Census Block	1015
Census Tract	41702

Owner

Source: Cabarrus County records, as of May 1, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	421 COLD SPRINGS RD, CONCORD, NC 28025-7233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 14, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2008 · Amount on Record
Deed Sale	May 23, 2008 · Amount on Record
Prior Sale	Jan 14, 2008 · Amount on Record
Deed Document Number	0008258242
Deed Book / Page	8258 / 242
Record Updated	Jun 7, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	421 COLD SPRINGS RD, CONCORD, NC 28025-7233
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014102199
Date	Apr 7, 2020
Book Page	14102/199

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Nov 1, 2046

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	421 COLD SPRINGS RD, CONCORD, NC 28025-7233
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001474751
Date	Dec 14, 2020
Book Page	14747/51

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Dec 1, 2046

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of January 1, 2023

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
2023	$1,141.00	$139,110 Land $37,800 Building $101,310	$139,110 Land $37,800 Building $101,310

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 49% 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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