10975 Hat Creek Ln, Davidson, NC 28036 Property Records

Cabarrus County property record for 10975 Hat Creek Ln, Davidson, NC 28036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,458 sqft · built 2010
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Sep 2020)
Tax Bill	$2,729 (2023)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03008B0409.000000`

Property Details

APN / Parcel Number

Primary APN	`03008B0409.000000`
Alternative APNs	`4672 38 1088` `140689`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,458 sqft Living Area
Gross Area	2,030 sqft
1st Floor Area	1,458 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	107 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	140689
Street Address	10975 HAT CREEK LN
City	DAVIDSON
State	NC
Zip	28036-9605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LT 409 FARM AT RIVERPOINTE
Legal Subdivision	FARM AT RIVERPOINTE BACK
Legal Lot Number	409
Jurisdiction	CABARRUS NC
Township / Civil Division	3, ODELL
Census Block Group	1
Census Block	1004
Census Tract	41301

Owner

10975 Hat Creek Ln is owned and occupied by two individuals who bought it in September 2020.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10975 HAT CREEK LN, DAVIDSON, NC 28036-9605
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2020 · Amount on File
Deed Sale	Sep 29, 2020 · Amount on File
Prior Sale	Sep 13, 2010 · Amount on File
Deed Book / Page	14536 / 87
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Sep 29, 2020
Property Address	10975 HAT CREEK LN, DAVIDSON, NC 28036-9605
Document Number	0001453687
Book / Page	14536 / 87
Map Reference	MB 58 PG 90
Instrument Date	Sep 28, 2020
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10975 HAT CREEK LN, 10975, DAVIDSON, NC 28036-9605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10975 HAT CREEK LN, DAVIDSON, NC 28036-9605

Mortgage

Document Number	0001453690
Date	Sep 29, 2020
Instrument	14536/90

Lender

Name	ON Q FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Kannapolis City
Unified School District	Cabarrus County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$359,030 Land $95,000 Building $264,030
2024			$359,030 (+80.26%) Land $95,000 Building $264,030
2023	$2,729.00	$199,170 Land $51,000 Building $148,170	$199,170 Land $51,000 Building $148,170

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10975 Hat Creek Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 10975 Hat Creek Ln is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20