511 Cold Springs Rd, Concord, NC 28025 Property Records

Cabarrus County property record for 511 Cold Springs Rd, Concord, NC 28025

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.337 acres (14,700 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Aug 2024)
Tax Bill	$419 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08021A0023.000000`

Property Details

APN / Parcel Number

Primary APN	`08021A0023.000000`
Alternative APNs	`5640 97 8172` `2385700` `172196`

Exterior

Lot Area	14,700 sqft (0.337 acres)
Lot Dimensions	150 ft deep x 98 ft wide

Location & Zoning

Account Number	172196
Street Address	511 COLD SPRINGS RD
City	CONCORD
State	NC
Zip	28025-7234
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	CR
Legal Description	LT 23 ROYAL ACRES
Legal Subdivision	LAKE LYNN LODGE
Legal Lot Number	23
Jurisdiction	CABARRUS NC
Township / Civil Division	8, MOUNT PLEASANT
Census Block Group	1
Census Block	1015
Census Tract	41702

Owner

Source: Cabarrus County records, as of January 12, 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
Co-owner	Co-owner on Record
Mailing Address	501 COLD SPRINGS RD, CONCORD, NC 28025-7234
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2024	Warranty Deed, Transfer · VA Mortgage MORTGAGE ASSURANCE INC
Aug 8, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2024 · Amount on Record
Deed Sale	Aug 2, 2024 · Amount on Record
Prior Sale	Aug 8, 2023 · Amount on Record
Deed Document Number	0001703996
Deed Book / Page	17039 / 96
Record Updated	Jun 8, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 2, 2024
Property Address	511 COLD SPRINGS RD, CONCORD, NC 28025-7234
Document Number	0001703996
Book / Page	17039 / 96
Map Reference	MB 13 PG 41
Instrument Date	Aug 2, 2024
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$970.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2024 FOX HUNT DR, MONROE, NC 28110-7858

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 COLD SPRINGS RD, CONCORD, NC 28025-7234

Mortgage

Document Number	0170390098
Date	Aug 2, 2024
Instrument	17039-0098

Lender

Name	MORTGAGE ASSURANCE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 8, 2023
Property Address	511 COLD SPRINGS RD, CONCORD, NC 28025-7234
Document Number	0001660119
Book / Page	16601 / 19
Map Reference	MB 13 PG 41
Instrument Date	Aug 8, 2023
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$814.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2465 CANNON FARM RD, CHINA GROVE, NC 28023-6549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 COLD SPRINGS ROAD 511 COLD SPRINGS ROAD, CONCORD, NC 28025

Mortgage

Document Number	0166010022
Date	Aug 8, 2023
Instrument	16601-0022

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of January 1, 2025

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
2025	$419.00 (+42.03%)	$64,000 (+77.78%) Land $64,000
2024			$64,000 (+77.78%) Land $64,000
2023	$295.00	$36,000 Land $36,000	$36,000 Land $36,000

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 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.04% 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

Nearby Properties on Cold Springs Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures