422 Spruce Pl SE, Concord, NC 28025 Property Records

Cabarrus County property record for 422 Spruce Pl SE, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,818 sqft · built 1988
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$282,000 (Apr 2017)
Tax Bill	$3,095 (2023)
Deeds & Mortgages	Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5630 46 8977`

Property Details

APN / Parcel Number

Primary APN	`5630 46 8977`
Alternative APNs	`12042 0026.500000` `114973`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,818 sqft Living Area
Gross Area	3,814 sqft
1st Floor Area	1,326 sqft
Upper Floors Area	1,492 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2003
Exterior Material	Other
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	150 ft deep x 130 ft wide
Garage Type	Mixed
Garage Area	700 sqft
Driveway	Concrete Driveway
Driveway Area	1,850 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	260 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	114973
Street Address	422 SPRUCE PL SE
City	CONCORD
State	NC
Zip	28025-2700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-1
Legal Description	LT 2 WINECOFF HILLS
Legal Subdivision	WINECOFF HILLS
Legal Lot Number	2
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	2
Census Block	2008
Census Tract	42202

Owner

422 Spruce Pl SE is owned and occupied by an individual who bought it in April 2017.

Source: Cabarrus County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	422 SPRUCE PL SE, CONCORD, NC 28025-2700
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2017 · Amount on File
Deed Sale	Apr 4, 2017 · Amount on File
Prior Sale	Sep 30, 2003 · Amount on File
Deed Document Number	201712429-0289
Deed Book / Page	12429 / 289
Record Updated	Oct 29, 2026

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Apr 4, 2017
Property Address	422 SPRUCE PL SE, CONCORD, NC 28025-2700
Document Number	0012429289
Book / Page	12429 / 0289
Map Reference	MB21 PG99
Instrument Date	Apr 4, 2017
Instrument	12429-0289
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10422 ROCKWOOD RD, 10422, CHARLOTTE, NC 28215-8599

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 SPRUCE PL SE, CONCORD, NC 28025-2700

Mortgage

Document Number	0124290291
Date	Apr 4, 2017
Instrument	12429-0291

Lender

Name	TOWN CENTER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$443,490 Land $98,000 Building $345,490
2024			$443,490 (+74.82%) Land $98,000 Building $345,490
2023	$3,095.00	$253,690 Land $45,000 Building $208,690	$253,690 Land $45,000 Building $208,690

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

Flood

FEMA maps place 422 Spruce Pl SE 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
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

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 422 Spruce Pl SE 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 137 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