The Tar Heels (22-2-2) earned their first men’s soccer title in 10 years. They lost in the semifinals each of the previous two seasons and fell in final in 2008.
Speas, who had an assist in North Carolina’s semifinal victory over UCLA, worked the ball toward the middle of the field just outside the Charlotte box and hit a left-footer that barely cleared the outstretched arm of Davis.
The unseeded 49ers (17-5-3) outshot North Carolina 14-3 in the second half, including a flurry of four shots in 41 seconds with less than five minutes left in regulation.
UNC goalkeeper Scott Goodwin made two saves during the late flurry, one shot hit the crossbar and another went just wide of the net.