427 Spruce Pl SE, Concord, NC 28025 Property Records

Cabarrus County property record for 427 Spruce Pl SE, Concord, NC 28025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,101 sqft · built 1988
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$461,500 (Jun 2022)
Tax Bill	$3,829 (2023)
Deeds & Mortgages	May 2022 Mortgage Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5630 46 7549`

Property Details

APN / Parcel Number

Primary APN	`5630 46 7549`
Alternative APNs	`12042 0026.200000` `87203` `22190`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,101 sqft Living Area
Gross Area	4,769 sqft
1st Floor Area	1,236 sqft
Upper Floors Area	1,161 sqft
Attic	Attic
Attic Area	300 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2008
Exterior Material	Other
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	29,185 sqft (0.67 acres)
Lot Dimensions	150 ft deep x 195 ft wide
Garage Type	Mixed
Garage Area	1,100 sqft
Driveway	Concrete Driveway
Driveway Area	2,620 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	88 sqft
Deck Area	28 sqft
Patio Area	28 sqft
Storage Building	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	22190
Street Address	427 SPRUCE PL SE
City	CONCORD
State	NC
Zip	28025-2762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-1
Legal Description	LT 70 WINECOFF HILLS
Legal Subdivision	WINECOFF HILLS
Legal Tract	1
Legal Lot Number	70
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	2
Census Block	2008
Census Tract	42202

Owner

Source: Cabarrus County records, as of October 9, 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 Record
Mailing Address	427 SPRUCE PL SE, CONCORD, NC 28025-2762
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jun 2, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Sep 13, 2021	Correction Deed
Feb 26, 2021	Warranty Deed, Transfer · FHA Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2022 · Amount on Record
Deed Sale	Jun 2, 2022 · Amount on Record
Prior Sale	Feb 26, 2021 · Amount on Record
Deed Document Number	202217891
Deed Book / Page	16052 / 17
Prior Transfer Date	Aug 26, 2021
Prior Transfer Doc	0015485221
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	427 SPRUCE PL SE, CONCORD, NC 28025-2762
Transaction Type	Mortgage
Record Updated	Jun 8, 2022
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 SPRUCE PL SE, CONCORD, NC 28025-2762

Mortgage

Document Number	0016045269
Date	May 27, 2022
Book Page	16045/269

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Mar 1, 2051

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 2, 2022
Property Address	427 SPRUCE PL SE, CONCORD, NC 28025-2762
Document Number	0001605217
Book / Page	16052 / 17
Map Reference	MB 21 PG 99
Instrument Date	Jun 2, 2022
Transaction Type	Transfer
Record Updated	Jun 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$923.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 SPRUCE PL SE, CONCORD, NC 28025-2762

Mortgage

Document Number	0160520020
Date	Jun 2, 2022
Instrument	16052-0020

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	Other
Max Rate	9%

September 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	CABARRUS NC
Recording Date	Sep 13, 2021
Property Address	427 SPRUCE PL SE, CONCORD, NC 28025-2762
Document Number	0015485221
Book / Page	15485 / 221
Map Reference	MB 21 PG 99
Instrument Date	Aug 26, 2021
Record Updated	Dec 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	83 CLUB HOUSE DR, 83, NEW LONDON, NC 28127-9116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 SPRUCE PL SE, CONCORD, NC 28025-2762

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Feb 26, 2021
Property Address	427 SPRUCE PL SE, CONCORD, NC 28025-2762
Document Number	0014948248
Book / Page	14948 / 248
Map Reference	MB 21 PG 99
Instrument Date	Feb 25, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$718.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	83 CLUB HOUSE DR, 83, NEW LONDON, NC 28127-9116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 SPRUCE PL SE, CONCORD, NC 28025-2762

Mortgage

Document Number	0014948252
Date	Feb 26, 2021
Instrument	14948/252

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$513,190 (+63.21%) Land $98,000 Building $415,190
2024			$513,190 (+63.21%) Land $98,000 Building $415,190
2023	$3,829.00	$314,440 Land $45,000 Building $269,440	$314,440 Land $45,000 Building $269,440

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	0.03% 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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