498 Cold Springs Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 498 Cold Springs Rd, Concord, NC 28025

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,322 sqft · built 1963
Lot Size	1.12 acres (48,787 sqft)
Owner	Individual Name on Record
Tax Bill	$701 (2023)
Deeds & Mortgages	Feb 2026 Transfer Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5640 97 0613`

Property Details

APN / Parcel Number

Primary APN	`5640 97 0613`
Alternative APNs	`11021 0003.000000` `119534`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,322 sqft Living Area
Gross Area	3,050 sqft
1st Floor Area	2,322 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	48,787 sqft (1.12 acres)
Lot Width	117 ft Width
Garage Type	Finished
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	3,000 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Shed	1 Shed
Shed Area	91 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	119534
Street Address	498 COLD SPRINGS RD
City	CONCORD
State	NC
Zip	28025-7233
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AO
Legal Description	WEST SIDE COLD SPRINGS RD
Legal Subdivision	LAKE LYNN LODGE
Jurisdiction	CABARRUS NC
Township / Civil Division	11, CENTRAL CABARRUS
Census Block Group	3
Census Block	3000
Census Tract	40502

Owner

Source: Cabarrus County records, as of August 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	498 COLD SPRINGS RD, CONCORD, NC 28025-7233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Intrafamily Transfer, Transfer
Nov 22, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage JEFFREY K COOK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 17, 2017
Transfer Doc	12777347
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	Feb 19, 2026
Property Address	498 COLD SPRINGS RD, CONCORD, NC 28025-7233
Document Number	0000178569
Book / Page	17856 / 9
Instrument Date	Feb 18, 2026
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 COLD SPRINGS RD, CONCORD, NC 28025-7233

November 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	CABARRUS NC
Recording Date	Nov 22, 2017
Property Address	498 COLD SPRINGS RD, CONCORD, NC 28025-7233
Document Number	12777347
Book / Page	012777 / 000347
Instrument Date	Nov 17, 2017
Instrument	30450
Transaction Type	Mortgage
Record Updated	Dec 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 COLD SPRINGS RD CONCORD NC 280257233, CONCORD, NC 28025-7233

Mortgage

Document Number	12777350
Date	Nov 22, 2017
Book Page	012777/000350
Instrument	30451

Lender

Name	JEFFREY K COOK
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Nov 21, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$257,770 (-) Land $47,410 Building $210,360
2025		$257,770 (+53.8%) Land $47,410 Building $210,360
2024			$257,770 (+53.8%) Land $47,410 Building $210,360
2023	$701.00	$167,600 Land $32,440 Building $135,160	$167,600 Land $32,440 Building $135,160

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 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	0.05% 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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