48 Spring St NW, Concord, NC 28025 Property Records

Cabarrus County property record for 48 Spring St NW, Concord, NC 28025

Property Summary

Property Type	Historical Building
Details	4 bd · 3 ba · 4,547 sqft · built 1940
Lot Size	0.326 acres (14,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Feb 2026)
Tax Bill	$4,367 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5620 88 0265`

Property Details

APN / Parcel Number

Primary APN	`5620 88 0265`
Alternative APNs	`12026 0171.000000` `133014`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,547 sqft Total Area
1st Floor Area	1,660 sqft
Upper Floors Area	1,234 sqft
Sunroom	Sunroom
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	540 sqft
Carport	Carport
Carport Area	540 sqft
Driveway	Concrete Driveway
Driveway Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	357 sqft
Patio Area	756 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	133014
Street Address	48 SPRING ST NW
City	CONCORD
State	NC
Zip	28025-4708
Property Category	Residential
Property Type	Residential > Specialized > Historical Building
Local Zoning Code	RM-2
Legal Description	INTERSEC SPRING ST & GROVE AVE
Legal Subdivision	NORTH HISTORIC CONCORD
Jurisdiction	CABARRUS NC
Township / Civil Division	12, CONCORD
Census Block Group	3
Census Block	3007
Census Tract	41902

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North Union Street Historic District listed 1986 · 150 contributing resources · NRIS 86000789

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Cabarrus County records, as of July 6, 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	48 SPRING ST NW, CONCORD, NC 28025-4708
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Feb 23, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 22, 2025	Warranty Deed, Construction Loan · Construction Mortgage ARCHWEST FUNDING LLC
Sep 20, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Sep 15, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2026 · Amount on Record
Deed Sale	Feb 23, 2026 · Amount on Record
Prior Sale	Jan 22, 2025 · Amount on Record
Deed Document Number	20263956
Deed Book / Page	17859 / 169
Prior Transfer Date	Sep 15, 2017
Prior Transfer Doc	12677134
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	48 SPRING ST NW, CONCORD, NC 28025-4708
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 SPRING ST, CONCORD, NC 28025-4708

Mortgage

Document Number	0001562875
Date	Nov 4, 2021
Book Page	15628/75

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Oct 1, 2049

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Feb 23, 2026
Property Address	48 SPRING ST NW, CONCORD, NC 28025-4708
Document Number	0017859169
Book / Page	17859 / 169
Instrument Date	Feb 17, 2026
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 SPRING ST NW, CONCORD, NC 28025-4708

Mortgage

Document Number	0017859173
Date	Feb 23, 2026
Instrument	17859/173

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 4, 2056

January 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 22, 2025
Property Address	48 SPRING ST NW, CONCORD, NC 28025-4708
Document Number	0017275341
Book / Page	17275 / 341
Instrument Date	Jan 21, 2025
Transaction Type	Construction Loan
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Tax	$714.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	519 SPRING ST, GREEN BAY, WI 54301-3632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3222 W CANYON AVE, SAN DIEGO, CA 92123-5429

Mortgage

Document Number	0000172761
Date	Jan 22, 2025
Instrument	17276/1

Lender

Name	ARCHWEST FUNDING LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Sep 20, 2019
Property Address	48 SPRING ST NW, CONCORD, NC 28025-4708
Document Number	13729336
Book / Page	013729 / 000336
Instrument Date	Sep 9, 2019
Instrument	25366
Transaction Type	Transfer
Record Updated	Oct 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 SPRING ST NW CONCORD NC 280254708, CONCORD, NC 28025-4708

Mortgage

Document Number	13729339
Date	Sep 20, 2019
Book Page	013729/000339
Instrument	25367

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2049

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	Sep 15, 2017
Property Address	48 SPRING ST NW, CONCORD, NC 28025-4708
Document Number	0012677134
Book / Page	12677 / 0134
Instrument Date	Sep 15, 2017
Instrument	12677-0134
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 ELLSWORTH PL, CARY, NC 27511-4388

Mortgage

Document Number	0126770137
Date	Sep 15, 2017
Instrument	12677-0137

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of September 23, 2025

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
2025	$4,367.00 (+23.43%)	$438,480 (+51.18%) Land $132,300 Building $306,180
2024			$438,480 (+51.18%) Land $132,300 Building $306,180
2023	$3,538.00 Additional exemption filed	$290,040 Land $90,000 Building $200,040	$290,040 Land $90,000 Building $200,040

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

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 80% of the US · lower than 76% 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.

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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Google Fiber, T-Mobile.

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