Cabarrus County property record for 10650 Sapphire Trl, Davidson, NC 28036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,691 sqft · built 2014 |
| Lot Size | 0.355 acres (15,464 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $239,000 (Sep 2014) |
| Tax Bill | $4,000 (2023) |
| Deeds & Mortgages | Jan 2021 Mortgage Mar 2017 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 03014E0232.000000 |
| Primary APN | 03014E0232.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,691 sqft Living Area |
| Gross Area | 3,687 sqft |
| 1st Floor Area | 1,184 sqft |
| Upper Floors Area | 1,502 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 15,464 sqft (0.355 acres) |
| Lot Dimensions | 179 ft deep x 42 ft wide |
| Garage Type | Mixed |
| Garage Area | 462 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 114 sqft |
| Patio Area | 300 sqft |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 97054 |
|---|---|
| Street Address | 10650 SAPPHIRE TRL |
| City | DAVIDSON |
| State | NC |
| Zip | 28036-7644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | LT 232 WATERFORD ON THE ROCKY RIVER |
| Legal Subdivision | WATERFORD RIVERSIDE |
| Legal Lot Number | 232 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 3, ODELL |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 41301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10650 SAPPHIRE TRL, DAVIDSON, NC 28036-7644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Mar 8, 2017 | Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU |
| Jan 5, 2017 | Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2014 · Amount on Record |
| Deed Sale | Sep 22, 2014 · Amount on Record |
| Deed Book / Page | 11122 / 68 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10650 SAPPHIRE TRL, DAVIDSON, NC 28036-7644 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 14864327 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 14864/327 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10650 SAPPHIRE TRL, DAVIDSON, NC 28036-7644 |
| Document Number | 12403195 |
| Instrument Date | Mar 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 10650 SAPPHIRE TRL DAVIDSON NC 280367644, DAVIDSON, NC 28036-7644 |
| Document Number | 12403195 |
|---|---|
| Date | Mar 20, 2017 |
| Book Page | 012403/000195 |
| Instrument | 6700 |
| Name | ALLEGACY FCU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27114-6043 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 19, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 10650 SAPPHIRE TRL, DAVIDSON, NC 28036-7644 |
| Document Number | 12312105 |
| Instrument Date | Jan 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2018 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10650 SAPPHIRE TRL DAVIDSON NC 280367644, DAVIDSON, NC 28036-7644 |
| Document Number | 12312105 |
|---|---|
| Date | Jan 9, 2017 |
| Book Page | 012312/000105 |
| Instrument | 630 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Kannapolis City |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $499,490 (+62.99%) Land $114,000 Building $385,490 | ||
| 2024 | $499,490 (+62.99%) Land $114,000 Building $385,490 | ||
| 2023 | $4,000.00 | $306,450 Land $62,000 Building $244,450 | $306,450 Land $62,000 Building $244,450 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 27 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 27 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 138 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 |
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