Mecklenburg County property record for 113 Spencer St, Davidson, NC 28036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,898 sqft · built 1998 |
| Lot Size | 0.329 acres (14,368 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $495,000 (Jul 2007) |
| Tax Bill | $7,121 (2023) |
| Deeds & Mortgages | Apr 2022 Line of Credit Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-315-27 |
| Primary APN | 003-315-27 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,898 sqft Heated Area |
| Gross Area | 3,506 sqft |
| 1st Floor Area | 1,450 sqft |
| Upper Floors Area | 1,448 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 14,368 sqft (0.329 acres) |
| Garage Area | 572 sqft |
| Porch | Porch |
| Porch Area | 36 sqft |
| Deck Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 003-315-27 |
|---|---|
| Street Address | 113 SPENCER ST |
| City | DAVIDSON |
| State | NC |
| Zip | 28036-0239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VI |
| Legal Description | L160 M29-150 |
| Legal Subdivision | MCCONNELL PH 04 |
| Legal Lot Number | 160 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 9, DEWEESE |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 6404 |
Source: Mecklenburg County records, as of May 24, 2023
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | PO BOX 981, DAVIDSON, NC 28036-0981 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2022 | Deed of Trust, Mortgage · Line of Credit THE OLD POINT NATIONAL BANK OF PHOEBUS |
| Oct 26, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK AND TRUST CO INC |
| Jun 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NEWDOMINION BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2007 · Amount on Record |
| Deed Sale | Jul 16, 2007 · Amount on Record |
| Prior Sale | Jun 6, 2005 · Amount on Record |
| Deed Document Number | 0022527957 |
| Deed Book / Page | 22527 / 957 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 113 SPENCER ST, DAVIDSON, NC 28036-0239 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 113 SPENCER ST, DAVIDSON, NC 28036-0239 |
| Document Number | 0000054258 |
|---|---|
| Date | Apr 7, 2022 |
| Book Page | 37232/891 |
| Instrument | 2022054258 |
| Name | THE OLD POINT NATIONAL BANK OF PHOEBUS |
|---|---|
| Type | Bank |
| Address | HAMPTON, VA 23663 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 113 SPENCER ST, DAVIDSON, NC 28036-0239 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000144862 |
|---|---|
| Date | Oct 26, 2017 |
| Book Page | 32223/224 |
| Instrument | 2017144862 |
| Name | FIRST CITIZENS BANK AND TRUST CO INC |
|---|---|
| Type | Bank |
| Address | SELLERS, SC 29592 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 113 SPENCER ST, DAVIDSON, NC 28036-0239 |
| Document Number | 0000076332 |
| Book / Page | 031867 / 000652 |
| Instrument Date | Jun 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 113 SPENCER ST DAVIDSON NC 280360239, DAVIDSON, NC 28036-0239 |
| Document Number | 0000076332 |
|---|---|
| Date | Jun 9, 2017 |
| Book Page | 031867/000652 |
| Instrument | 76332 |
| Name | NEWDOMINION BK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 8, 2047 |
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) |
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures