Cabarrus County property record for 450 Spring St NW, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 746 sqft · built 1945 |
| Lot Size | 0.11 acres (4,774 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Apr 2020) |
| Tax Bill | $1,273 (2023) |
| Deeds & Mortgages | Feb 2022 Mortgage Apr 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5621 41 8722 |
| Primary APN | 5621 41 8722 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 746 sqft Living Area |
| Gross Area | 1,050 sqft |
| 1st Floor Area | 746 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 4,774 sqft (0.11 acres) |
| Lot Dimensions | 62 ft deep x 77 ft wide |
| Garage Type | Mixed |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 114 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 137513 |
|---|---|
| Street Address | 450 SPRING ST NW |
| City | CONCORD |
| State | NC |
| Zip | 28025-4557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | P/O LTS 3-4 LOCKE COTTON MILLS BLK N |
| Legal Subdivision | AURORA LOCKE |
| Legal Block | N |
| Legal Lot Number | 3-4 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 12, CONCORD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 41902 |
450 Spring St NW is owned and occupied by two individuals who acquired it in July 2020.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 450 SPRING ST NW, CONCORD, NC 28025-4557 |
| 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.
| Date | Document |
|---|---|
| Feb 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 24, 2020 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 25, 2019 | Warranty Deed, Construction Loan · Construction Mortgage OLD NORTH CAP INVS LLC |
| Jun 11, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jun 11, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2020 · Amount on File |
| Deed Sale | Apr 24, 2020 · Amount on File |
| Prior Sale | Oct 25, 2019 · Amount on File |
| Deed Book / Page | 14138 / 1 |
| Last Transfer Date | Jul 7, 2020 |
| Transfer Doc | 0014307146 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 450 SPRING ST NW, CONCORD, NC 28025-4557 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0015869299 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | 15869/299 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Apr 24, 2020 |
| Property Address | 450 SPRING ST NW, CONCORD, NC 28025-4557 |
| Document Number | 0000141381 |
| Book / Page | 14138 / 1 |
| Map Reference | MB 1489 PG 143 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1309 MOORESVILLE RD, 1309, KANNAPOLIS, NC 28081-9032 |
| Name | Verified Name |
|---|---|
| Address | 450 SPRING ST NW, CONCORD, NC 28025-4557 |
| Document Number | 0000141383 |
|---|---|
| Date | Apr 24, 2020 |
| Instrument | 14138/3 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Margin | 2 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Oct 25, 2019 |
| Property Address | 450 SPRING ST NW, CONCORD, NC 28025-4557 |
| Document Number | 13804177 |
| Book / Page | 013804 / 000177 |
| Instrument Date | Oct 24, 2019 |
| Instrument | 29516 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $87.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1309 MOORESVILLE RD KANNAPOLIS NC 280819032, KANNAPOLIS, NC 28081-9032 |
| Document Number | 13804180 |
|---|---|
| Date | Oct 25, 2019 |
| Book Page | 013804/000180 |
| Instrument | 29517 |
| Name | OLD NORTH CAP INVS LLC |
|---|---|
| Address | CHARLOTTE, NC 28202 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 24, 2020 |
| Rate | 13.7% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jun 11, 2019 |
| Property Address | 450 SPRING ST NW, CONCORD, NC 28025-4557 |
| Document Number | 13546348 |
| Book / Page | 013546 / 000348 |
| Instrument Date | Jun 11, 2019 |
| Instrument | 14260 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $326.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 450 458 466 SPRING ST CONCORD NC 28025, CONCORD, NC 28025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jun 11, 2019 |
| Property Address | 450 SPRING ST NW, CONCORD, NC 28025-4557 |
| Document Number | 135471 |
| Book / Page | 013547 / 000001 |
| Instrument Date | Jun 11, 2019 |
| Instrument | 14261 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $410.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 450 SPRING ST NW CONCORD NC 280254557, CONCORD, NC 28025-4557 |
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 | $207,330 Land $55,000 Building $152,330 | ||
| 2024 | $207,330 (+98.67%) Land $55,000 Building $152,330 | ||
| 2023 | $1,273.00 | $104,360 Land $24,000 Building $80,360 | $104,360 Land $24,000 Building $80,360 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 450 Spring St NW in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 1, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 450 Spring St NW is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 402 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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