Cabarrus County property record for 428 Spruce Pl SE, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 6.5 ba · 3,024 sqft · built 1988 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Jan 2026) |
| Tax Bill | $3,877 (2023) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5630 46 5763 |
| Primary APN | 5630 46 5763 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,024 sqft Living Area |
| Gross Area | 3,998 sqft |
| 1st Floor Area | 1,605 sqft |
| Upper Floors Area | 1,419 sqft |
| Flooring | Hardwood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick Veneer |
| 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 | Finished |
| Garage Area | 642 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 2,000 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Deck Area | 282 sqft |
| Patio Area | 282 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 144070 |
|---|---|
| Street Address | 428 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 5 WINECOFF HILLS |
| Legal Subdivision | WINECOFF HILLS |
| Legal Lot Number | 5 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 12, CONCORD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 42202 |
428 Spruce Pl SE is owned by two individuals who bought it in January 2026.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 TULIP AVE SW, CONCORD, NC 28025-5724 |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 29, 2024 | Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU |
| Jan 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2026 · Amount on File |
| Deed Sale | Jan 30, 2026 · Amount on File |
| Prior Sale | Feb 11, 2021 · Amount on File |
| Deed Document Number | 20262196 |
| Deed Book / Page | 17828 / 156 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 428 SPRUCE PL SE, CONCORD, NC 28025-2700 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|
| Document Number | 0016795242 |
|---|---|
| Date | Jan 29, 2024 |
| Book Page | 16795/242 |
| Name | SHARONVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | FORT MILL, SC 29716 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jan 30, 2026 |
| Property Address | 428 SPRUCE PL SE, CONCORD, NC 28025-2700 |
| Document Number | 0017828156 |
| Book / Page | 17828 / 156 |
| Map Reference | MB 22 PG 21 |
| Instrument Date | Jan 30, 2026 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 LOOKOUT POINT PL, MOORESVILLE, NC 28115-2392 |
| Name | Verified Name |
|---|---|
| Address | 109 TULIP AVE SW, CONCORD, NC 28025-5724 |
| Document Number | 0017828159 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | 17828/159 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Feb 11, 2021 |
| Property Address | 428 SPRUCE PL SE, CONCORD, NC 28025-2700 |
| Document Number | 0014905255 |
| Book / Page | 14905 / 255 |
| Map Reference | MB 22 PG 21 |
| Instrument Date | Feb 10, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | BARRISTER TITLE SERVICES, BARRISTERS TITLESERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $730.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 815 BRAFFORD DR, 815, CONCORD, NC 28025-7800 |
| Name | Verified Name |
|---|---|
| Address | 428 SPRUCE PL SE, CONCORD, NC 28025-2700 |
| Document Number | 0014905258 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 14905/258 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Concord City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $478,760 (-) Land $98,000 Building $380,760 | ||
| 2025 | $478,760 Land $98,000 Building $380,760 | ||
| 2024 | $478,760 (+50.64%) Land $98,000 Building $380,760 | ||
| 2023 | $3,877.00 | $317,810 Land $45,000 Building $272,810 | $317,810 Land $45,000 Building $272,810 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Spruce Pl SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 428 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.
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 |
| 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.
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 |
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