Mecklenburg County property record for 120 Lake Davidson Cir, Davidson, NC 28036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,447 sqft · built 1995 |
| Lot Size | 0.184 acres (8,015 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $506,000 (Dec 2019) |
| Tax Bill | $4,222 (2024) |
| Deeds & Mortgages | Apr 2026 Line of Credit May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-271-30 |
| Primary APN | 003-271-30 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,447 sqft Living Area |
| Gross Area | 2,827 sqft |
| 1st Floor Area | 1,147 sqft |
| Upper Floors Area | 1,300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,015 sqft (0.184 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 278 sqft |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 120 LAKE DAVIDSON CIR |
|---|---|
| City | DAVIDSON |
| State | NC |
| Zip | 28036-6946 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VI |
| Legal Description | L13 M26-421 |
| Legal Subdivision | WOODS LAKE DAVIDSON PH 01 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 9, DEWEESE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 6403 |
120 Lake Davidson Cir is owned and occupied by two individuals who bought it in December 2019.
Source: Mecklenburg County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 LAKE DAVIDSON CIR, DAVIDSON, NC 28036-6946 |
| 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 |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION |
| May 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Oct 25, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Dec 30, 2019 | Warranty Deed, Transfer · Conventional with PMI MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2019 · Amount on File |
| Deed Sale | Dec 30, 2019 · Amount on File |
| Prior Sale | May 14, 2009 · Amount on File |
| Deed Document Number | 2019177890 |
| Deed Book / Page | 34164 / 953 |
| Prior Transfer Date | Apr 3, 2009 |
| Prior Transfer Doc | 0000067162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Apr 6, 2026 |
| Property Address | 120 LAKE DAVIDSON CIR, DAVIDSON, NC 28036-6946 |
| Document Number | 0000034065 |
| Book / Page | 40321 / 77 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 202634065 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 120 LAKE DAVIDSON CIR, DAVIDSON, NC 28036-6946 |
| Investor | Possibly a Property Investor |
| Document Number | 0000034065, |
|---|---|
| Date | Apr 6, 2026 |
| Book Page | 40321/77 |
| Instrument | 202634065 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 120 LAKE DAVIDSON CIR, DAVIDSON, NC 28036-6946 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000095389 |
|---|---|
| Date | May 13, 2021 |
| Book Page | 36059/309 |
| Instrument | 2021095389 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.25% |
| Index | Other |
| Max Rate | 7.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 120 LAKE DAVIDSON CIR, DAVIDSON, NC 28036-6946 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000144664 |
|---|---|
| Date | Oct 25, 2019 |
| Book Page | 33977/706 |
| Instrument | 2019144664 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Dec 30, 2019 |
| Property Address | 120 LAKE DAVIDSON CIR, DAVIDSON, NC 28036-6946 |
| Document Number | 0000177890 |
| Book / Page | 034164 / 000953 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 177890 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,012.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 LAKE DAVIDSON CIR DAVIDSON NC 280366946, DAVIDSON, NC 28036-6946 |
| Document Number | 177891 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 034164/000956 |
| Instrument | 177891 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 29, 2049 |
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Davidson Town |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $557,100 Land $235,000 Building $322,100 | $557,100 Land $235,000 Building $322,100 | |
| 2024 | $4,222.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Lake Davidson Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2020 · 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 120 Lake Davidson Cir is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 349 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| TDS Telecom Cable · Fiber in parts of the area | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
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