Mecklenburg County property record for 307 N Downing St, Davidson, NC 28036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,652 sqft · built 1997 |
| Lot Size | 0.289 acres (12,597 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $800,000 (Mar 2022) |
| Tax Bill | $7,102 (2023) |
| Deeds & Mortgages | Feb 2026 Mortgage Mar 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-315-07 |
| Primary APN | 003-315-07 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,652 sqft Heated Area |
| Gross Area | 3,004 sqft |
| 1st Floor Area | 1,326 sqft |
| Upper Floors Area | 1,326 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 12,597 sqft (0.289 acres) |
| Garage Area | 400 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 142 sqft |
| Deck Area | 210 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 003-315-07 |
|---|---|
| Street Address | 307 N DOWNING ST |
| City | DAVIDSON |
| State | NC |
| Zip | 28036-0269 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VI |
| Legal Description | L140 M26-985 |
| Legal Subdivision | MCCONNELL PH 02 SEC 02 |
| Legal Lot Number | 140 |
| 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 |
|---|---|
| Mailing Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA |
| Mar 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Dec 15, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Mar 1, 2022 | Warranty Deed, Transfer LKN TITLE LLC |
| Feb 8, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DIGITAL FCU |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DIGITAL FCU |
| Nov 24, 2020 | Warranty Deed, Transfer · Line of Credit TD BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2022 · Amount on Record |
| Deed Sale | Mar 1, 2022 · Amount on Record |
| Prior Sale | May 21, 2010 · Amount on Record |
| Deed Document Number | 0037110918 |
| Deed Book / Page | 37110 / 918 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Document Number | 0000019619 |
|---|---|
| Date | Feb 27, 2026 |
| Book Page | 40230/224 |
| Instrument | 2026019619 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.7% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000048608 |
|---|---|
| Date | Mar 30, 2022 |
| Book Page | 37200/636 |
| Instrument | 2022048608 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Document Number | 0000164860 |
|---|---|
| Date | Dec 15, 2022 |
| Book Page | 37832/539 |
| Instrument | 2022164860 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | DAVIDSON, NC 28036 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Mar 1, 2022 |
| Property Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Document Number | 0000032316 |
| Book / Page | 37110 / 918 |
| Map Reference | MB 26 PG 985 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 2022032316 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | LKN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1110 CHURCHILL RD, DAVIDSON, NC 28036-8078 |
| Name | Verified Name |
|---|---|
| Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | EQUITY NATL TITLE & CLOSING |
| Name | Verified Name |
|---|
| Document Number | 0000014586 |
|---|---|
| Date | Feb 8, 2019 |
| Book Page | 33274/289 |
| Instrument | 2019014586 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Address | MARLBOROUGH, MA 01752 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | EQUITY NATL TTL & CLOSING SE |
| Name | Verified Name |
|---|
| Document Number | 0000057507 |
|---|---|
| Date | Apr 24, 2020 |
| Book Page | 34503/199 |
| Instrument | 2020057507 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Address | MARLBOROUGH, MA 01752 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Nov 24, 2020 |
| Property Address | 307 N DOWNING ST, DAVIDSON, NC 28036-0269 |
| Document Number | 0000198690 |
| Book / Page | 035354 / 000636 |
| Instrument Date | Nov 23, 2020 |
| Instrument | 198690 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $955.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 307 N DOWNING ST DAVIDSON NC 280360269, DAVIDSON, NC 28036-0269 |
| Document Number | 198691 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 035354/000639 |
| Instrument | 198691 |
| Name | TD BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 23, 2050 |
| 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) |
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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