Mecklenburg County property record for 107 Spencer St, Davidson, NC 28036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,306 sqft · built 1998 |
| Lot Size | 0.23 acres (10,061 sqft) |
| Owner | Individual Name on File |
| Last Sale | $749,000 (Nov 2022) |
| Tax Bill | $6,700 (2023) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-315-26 |
| Primary APN | 003-315-26 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,306 sqft Heated Area |
| Gross Area | 2,476 sqft |
| 1st Floor Area | 1,048 sqft |
| Upper Floors Area | 1,096 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 10,061 sqft (0.23 acres) |
| Garage Area | 400 sqft |
| Porch | Porch |
| Porch Area | 150 sqft |
| Deck Area | 355 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 003-315-26 |
|---|---|
| Street Address | 107 SPENCER ST |
| City | DAVIDSON |
| State | NC |
| Zip | 28036-0239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VI |
| Legal Description | L159 M29-150 |
| Legal Subdivision | MCCONNELL PH 04 |
| Legal Lot Number | 159 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 9, DEWEESE |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 6404 |
107 Spencer St is owned and occupied by an individual who bought it in November 2022.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 107 SPENCER ST, DAVIDSON, NC 28036-0239 |
| 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 |
|---|---|
| Nov 8, 2022 | Warranty Deed, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC |
| Jun 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Jun 6, 2017 | Deed of Trust, Mortgage · Line of Credit TIAA-CREF TR CO FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 8, 2022 · Amount on File |
| Deed Sale | Nov 8, 2022 · Amount on File |
| Prior Sale | Jun 3, 2019 · Amount on File |
| Deed Document Number | 0037763104 |
| Deed Book / Page | 37763 / 104 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 8, 2022 |
| Property Address | 107 SPENCER ST, DAVIDSON, NC 28036-0239 |
| Document Number | 0000152000 |
| Book / Page | 37763 / 104 |
| Map Reference | MB 29 PG 150 |
| Instrument Date | Oct 3, 2022 |
| Instrument | 2022152000 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | BRIDGE TRUST TITLE, BRIDGETRUST TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,498.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 142 N LYNBROOK DR, DAVIDSON, NC 28036-0270 |
| Name | Verified Name |
|---|---|
| Address | 107 SPENCER ST, DAVIDSON, NC 28036-0239 |
| Document Number | 0000152001 |
|---|---|
| Date | Nov 8, 2022 |
| Instrument | 2022152001 |
| Name | CELEBRITY HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Jun 3, 2019 |
| Property Address | 107 SPENCER ST, DAVIDSON, NC 28036-0239 |
| Document Number | 0000067658 |
| Book / Page | 33558 / 569 |
| Map Reference | MB 29 PG 150 |
| Instrument Date | May 29, 2019 |
| Instrument | 2019067658 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $946.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2125 ARDENNE DR, 2125, ANN ARBOR, MI 48105-1477 |
| Name | Verified Name |
|---|---|
| Address | 107 SPENCER ST, DAVIDSON, NC 28036-0239 |
| Document Number | 0000067659 |
|---|---|
| Date | Jun 3, 2019 |
| Instrument | 2019067659 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 107 SPENCER ST, DAVIDSON, NC 28036-0239 |
| Document Number | 0000076544 |
| Book / Page | 031868 / 000802 |
| Instrument Date | Jun 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2017 |
| Title Company | TITLE RSRC GROUP |
| Name | Verified Name |
|---|---|
| Address | 107 SPENCER ST DAVIDSON NC 280360239, DAVIDSON, NC 28036-0239 |
| Document Number | 0000076544 |
|---|---|
| Date | Jun 9, 2017 |
| Book Page | 031868/000802 |
| Instrument | 76544 |
| Name | TIAA-CREF TR CO FSB |
|---|---|
| Type | Federal Savings Bank |
| Address | SAINT LOUIS, MO 63102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Davidson Town |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 107 Spencer St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · 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 |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2019 · rainfall accumulation |
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 risk around 107 Spencer St 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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 342 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| TDS Telecom Cable | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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