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421 Spruce Pl SE, Concord, NC 28025 Property Records

Cabarrus County property record for 421 Spruce Pl SE, Concord, NC 28025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,212 sqft · built 2020
Lot Size0.34 acres (14,810 sqft)
OwnerIndividual Name on File
Last Sale$325,000 (Dec 2020)
Tax Bill$4,059 (2025)
Deeds & MortgagesMay 2026 Line of Credit
Dec 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN5630 56 0833

Property Details

APN / Parcel Number

Primary APN5630 56 0833
Alternative APNs
  • 12042 0026.240000
  • 142732

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,212 sqft Living Area
Gross Area3,085 sqft
1st Floor Area1,042 sqft
FlooringSoftwood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area14,810 sqft (0.34 acres)
Lot Dimensions150 ft deep x 100 ft wide
Garage TypeMixed
Garage Area441 sqft
DrivewayConcrete Driveway
Driveway Area1,480 sqft
PorchSlab
Patio Area408 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number142732
Street Address421 SPRUCE PL SE
CityCONCORD
StateNC
Zip28025-2762
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM-1
Legal DescriptionLT 73 WINECOFF HILLS
Legal SubdivisionWINECOFF HILLS
Legal Lot Number73
JurisdictionCABARRUS NC
Township / Civil Division12, CONCORD
Census Block Group2
Census Block2008
Census Tract42202

Owner

Source: Cabarrus County records · APN 5630 56 0833

Assessment roll updated September 23, 2025 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address421 SPRUCE PL SE, CONCORD, NC 28025-2762
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 27, 2026Deed of Trust, Mortgage · Line of Credit
LANGLEY FEDERAL CREDIT UNION
Dec 21, 2020Warranty Deed, Transfer · FHA Mortgage
LOANDEPOT.COM LLC
Nov 20, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 21, 2020 · Amount on Record
Deed SaleDec 21, 2020 · Amount on Record
Prior SaleNov 20, 2018 · Amount on Record
Deed Book / Page14769 / 73
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCABARRUS NC
Recording DateMay 27, 2026
Property Address421 SPRUCE PL SE, CONCORD, NC 28025-2762
Document Number0000012414
Book / Page18009 / 189
Instrument DateMar 10, 2026
Instrument202612414
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyCORPORATION SERVICES COMPANY, CORPORATION SERVICE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 SPRUCE PL SE, CONCORD, NC 28025-2762

Mortgage

Document Number0000012414,
DateMay 27, 2026
Book Page18009/189
Instrument202612414
Lender
NameLANGLEY FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate6.09%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCABARRUS NC
Recording DateDec 21, 2020
Property Address421 SPRUCE PL SE, CONCORD, NC 28025-2762
Document Number0001476973
Book / Page14769 / 73
Map ReferenceMB 30 PG 89
Instrument DateDec 14, 2020
Transaction TypeTransfer
Record UpdatedAug 22, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$650.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6220 HUDSPETH RD, 6220, HARRISBURG, NC 28075-5001

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 SPRUCE PL SE, CONCORD, NC 28025-2762

Mortgage

Document Number0001476975
DateDec 21, 2020
Instrument14769/75
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCABARRUS NC
Recording DateNov 20, 2018
Property Address421 SPRUCE PL SE, CONCORD, NC 28025-2762
Document Number13273316
Book / Page013273 / 000316
Instrument DateNov 19, 2018
Instrument29030
Transaction TypeTransfer
Record UpdatedNov 30, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$141.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6220 HUDSPETH RD HARRISBURG NC 280755001, HARRISBURG, NC 28075-5001

Tax Assessment & Valuation

Source: Cabarrus County records · Assessment roll updated September 23, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCabarrus County
MunicipalityConcord City
Unified School DistrictCabarrus County Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,059.00 (+10.93%)$407,610 (+35.9%) Land $98,000 Building $309,610
2024$407,610 (+35.9%) Land $98,000 Building $309,610
2023$3,659.00$299,940 Land $45,000 Building $254,940$299,940 Land $45,000 Building $254,940

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2020)
Most Recent ClaimNov 2020 · river or lake flooding

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 137 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Google Fiber
Fiber		8,000 / 8,000
Uniti Group
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemCITY OF CONCORD
serves 120,771 people
Water SourceSurface water
Last State InspectionAug 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
resolved · Apr 2017
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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