Cabarrus County property record for 707 Spring St SW, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,244 sqft · built 1951 |
| Lot Size | 0.368 acres (16,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $283,000 (Jun 2026) |
| Tax Bill | $1,831 (2023) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5630 31 6062 |
| Primary APN | 5630 31 6062 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,244 sqft Living Area |
| Gross Area | 2,284 sqft |
| 1st Floor Area | 1,244 sqft |
| Basement Area | 704 sqft |
| Unfinished Basement | 704 sqft |
| Cellar | Cellar |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,000 sqft (0.368 acres) |
| Lot Dimensions | 160 ft deep x 100 ft wide |
| Garage Type | Mixed |
| Garage Area | 240 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 1,200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 286 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 100033 |
|---|---|
| Street Address | 707 SPRING ST SW |
| City | CONCORD |
| State | NC |
| Zip | 28025-2001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RV |
| Legal Description | P/O LT 18 FRYLING PLACE BLK B |
| Legal Subdivision | SEDGEFIELD |
| Legal Block | B |
| Legal Lot Number | 18 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 12, CONCORD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 42201 |
707 Spring St SW is owned and occupied by two individuals who bought it in June 2026.
Source: Cabarrus County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 707 SPRING ST SW, CONCORD, NC 28025-2001 |
| 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 |
|---|---|
| Jun 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMIERCA NA |
| Aug 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC |
| Sep 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC |
| Aug 14, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jul 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2026 · Amount on File |
| Deed Sale | Jun 22, 2026 · Amount on File |
| Prior Sale | Jul 26, 2018 · Amount on File |
| Deed Document Number | 202614751 |
| Deed Book / Page | 18048 / 326 |
| Prior Transfer Date | Aug 7, 2018 |
| Prior Transfer Doc | 13134126 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jun 22, 2026 |
| Property Address | 707 SPRING ST SW, CONCORD, NC 28025-2001 |
| Document Number | 0000014751 |
| Book / Page | 18048 / 326 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202614751 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | FORTIFIED TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57,166.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 707 SPRING ST SW, CONCORD, NC 28025-2001 |
| Document Number | 0000014752, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202614752 |
| Name | BANK OF AMIERCA NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 707 SPRING ST SW, CONCORD, NC 28025-2001 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0014456301 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 14456/301 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TEMPE, AZ 85281 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 707 SPRING ST SW, CONCORD, NC 28025-2001 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0015504295 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 15504/295 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TEMPE, AZ 85284 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Aug 14, 2018 |
| Property Address | 707 SPRING ST SW, CONCORD, NC 28025-2001 |
| Document Number | 13134126 |
| Book / Page | 013134 / 000126 |
| Instrument Date | Aug 7, 2018 |
| Instrument | 20045 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 707 SPRING ST SW CONCORD NC 280252001, CONCORD, NC 28025-2001 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jul 26, 2018 |
| Property Address | 707 SPRING ST SW, CONCORD, NC 28025-2001 |
| Document Number | 0013105197 |
| Book / Page | 13105 / 0197 |
| Map Reference | MB3 PG66 |
| Instrument Date | Jul 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 162 NE 5TH ST, 162, OAK ISLAND, NC 28465-6609 |
| Name | Verified Name |
|---|---|
| Address | 707 SPRING ST SW, CONCORD, NC 28025-2001 |
| Document Number | 0013105200 |
|---|---|
| Date | Jul 26, 2018 |
| Instrument | 13105/200 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
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 | $270,580 (-) Land $88,000 Building $182,580 | ||
| 2025 | $270,580 Land $88,000 Building $182,580 | ||
| 2024 | $270,580 (+80.29%) Land $88,000 Building $182,580 | ||
| 2023 | $1,831.00 | $150,080 Land $40,700 Building $109,380 | $150,080 Land $40,700 Building $109,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 707 Spring St SW 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 707 Spring St SW 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 | 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 351 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 |
| Verizon Fixed Wireless | 300 / 20 |
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