10185 Earnhardt Lake Rd, Davidson, NC 28036 Property Records

Cabarrus County property record for 10185 Earnhardt Lake Rd, Davidson, NC 28036

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,647 sqft · built 2020
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$825,000 (Jul 2024)
Tax Bill	$2,918 (2023)
Deeds & Mortgages	May 2023 Line of Credit Feb 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4673 99 5624`

Property Details

APN / Parcel Number

Primary APN	`4673 99 5624`
Alternative APNs	`03001 0037.200000` `138337` `155844` `171779`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,647 sqft Living Area
Gross Area	3,509 sqft
1st Floor Area	2,070 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	210 ft deep x 207 ft wide
Garage Type	Mixed
Garage Area	506 sqft
Driveway	Concrete Driveway
Driveway Area	2,200 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	171779
Street Address	10185 EARNHARDT LAKE RD
City	DAVIDSON
State	NC
Zip	28036-7506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AO
Legal Description	1.00 AC PLAT FOR GARY & JOAN PETERS
Legal Subdivision	DEWEESE
Jurisdiction	CABARRUS NC
Township / Civil Division	3, ODELL
Census Block Group	2
Census Block	2010
Census Tract	41301

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	10185 EARNHARDT LAKE RD, DAVIDSON, NC 28036-7506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Feb 24, 2023	Intrafamily Transfer, Transfer
Jun 8, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 16, 2020	Warranty Deed, Construction Loan · Construction Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2024 · Amount on Record
Deed Sale	Jul 23, 2024 · Amount on Record
Prior Sale	Jun 8, 2022 · Amount on Record
Deed Document Number	202415238
Deed Book / Page	17022 / 325
Prior Transfer Date	Jan 30, 2023
Prior Transfer Doc	0016383302
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	10185 EARNHARDT LAKE RD, DAVIDSON, NC 28036-7506
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10185 EARNHARDT LAKE RD, DAVIDSON, NC 28036-7506

Mortgage

Document Number	0016470336
Date	May 2, 2023
Book Page	16470/336

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	Feb 24, 2023
Property Address	10185 EARNHARDT LAKE RD, DAVIDSON, NC 28036-7506
Document Number	0016383302
Book / Page	16383 / 302
Map Reference	MB 85 PG 48
Instrument Date	Jan 30, 2023
Transaction Type	Transfer
Record Updated	Mar 2, 2023

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	10185 EARNHARDT LAKE RD, DAVIDSON, NC 28036-7506

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 8, 2022
Property Address	10185 EARNHARDT LAKE RD, DAVIDSON, NC 28036-7506
Document Number	0016060360
Book / Page	16060 / 360
Map Reference	MB 85 PG 48
Instrument Date	Jun 8, 2022
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	HERITAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7175 JOHN FURR RD, 7175, CONCORD, NC 28025-6661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10185 EARNHARDT LAKE RD, DAVIDSON, NC 28036-7506

Mortgage

Document Number	0000160611
Date	Jun 8, 2022
Book Page	16061/1

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

June 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 16, 2020
Property Address	10185 EARNHARDT LAKE RD, DAVIDSON, NC 28036-7506
Document Number	0014254111
Book / Page	14254 / 111
Map Reference	MB 10 PG 21
Instrument Date	Jun 16, 2020
Transaction Type	Construction Loan
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 DAVIDSON RD, 117, STATESVILLE, NC 28677-8495

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10179 EAMHARDT LAKE ROAD, DAVIDSON, NC 28036

Mortgage

Document Number	0014254114
Date	Jun 16, 2020
Instrument	14254/114

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	367 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

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		$638,160 (-) Land $89,760 Building $548,400
2025		$638,160 (+62.86%) Land $89,760 Building $548,400
2024			$638,160 (+62.86%) Land $89,760 Building $548,400
2023	$2,918.00	$391,840 Land $55,440 Building $336,400	$391,840 Land $55,440 Building $336,400

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	1 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	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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