Mecklenburg County property record for 148 Spencer St, Davidson, NC 28036
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,907 sqft · built 1998 |
| Lot Size | 0.316 acres (13,791 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $283,500 (Mar 2005) |
| Tax Bill | $7,519 (2023) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-315-16 |
| Primary APN | 003-315-16 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,907 sqft Heated Area |
| Gross Area | 3,807 sqft |
| 1st Floor Area | 1,421 sqft |
| Upper Floors Area | 1,486 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 | 13,791 sqft (0.316 acres) |
| Garage Area | 484 sqft |
| Porch | Porch |
| Porch Area | 416 sqft |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 003-315-16 |
|---|---|
| Street Address | 148 SPENCER ST |
| City | DAVIDSON |
| State | NC |
| Zip | 28036-0230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VI |
| Legal Description | L149 M29-150 |
| Legal Subdivision | MCCONNELL PH 04 |
| Legal Lot Number | 149 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 9, DEWEESE |
| Census Block Group | 1 |
| Census Block | 1049 |
| 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 | 148 SPENCER ST, DAVIDSON, NC 28036-0230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2005 · Amount on Record |
| Deed Sale | Mar 23, 2005 · Amount on Record |
| Prior Sale | Jun 2, 2003 · Amount on Record |
| Deed Document Number | 0018504758 |
| Deed Book / Page | 18504 / 758 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 148 SPENCER ST, DAVIDSON, NC 28036-0230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SVCS |
| Name | Verified Name |
|---|
| Document Number | 0000180932 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 35249/220 |
| Instrument | 2020180932 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2035 |
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 205 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| TDS Telecom Cable · Fiber in parts of the area | 1,000 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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