3375 Merchant Ln, Davidson, NC 28036 Property Records

Cabarrus County property record for 3375 Merchant Ln, Davidson, NC 28036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,036 sqft · built 2006
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jan 2024)
Tax Bill	$4,347 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03008B0084.000000`

Property Details

APN / Parcel Number

Primary APN	`03008B0084.000000`
Alternative APNs	`4672 57 0115` `106394` `147645` `168146`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,036 sqft Living Area
Gross Area	2,938 sqft
1st Floor Area	858 sqft
Upper Floors Area	1,178 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
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	110 ft deep x 70 ft wide
Garage Type	Mixed
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	750 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Patio Area	462 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	168146
Street Address	3375 MERCHANT LN
City	DAVIDSON
State	NC
Zip	28036-7785
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LT 84 FARM AT RIVERPOINTE
Legal Subdivision	FARM AT RIVERPOINTE FRONT
Legal Lot Number	84
Jurisdiction	CABARRUS NC
Township / Civil Division	3, ODELL
Census Block Group	1
Census Block	1022
Census Tract	41301

Owner

Source: Cabarrus County records, as of August 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3375 MERCHANT LN, DAVIDSON, NC 28036-7785
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Warranty Deed, Transfer · Conventional Mortgage ROSEGATE MORTGAGE LLC
Sep 14, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 20, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2024 · Amount on Record
Deed Sale	Jan 10, 2024 · Amount on Record
Prior Sale	May 20, 2021 · Amount on Record
Deed Document Number	2024586
Deed Book / Page	16775 / 311
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jan 10, 2024
Property Address	3375 MERCHANT LN, DAVIDSON, NC 28036-7785
Document Number	0016775311
Book / Page	16775 / 311
Map Reference	MB 45 PG 22
Instrument Date	Jan 9, 2024
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10874 STORE HOUSE CT, DAVIDSON, NC 28036-7787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3375 MERCHANT LN, DAVIDSON, NC 28036-7785

Mortgage

Document Number	0167750313
Date	Jan 10, 2024
Instrument	16775-0313

Lender

Name	ROSEGATE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	3375 MERCHANT LN, DAVIDSON, NC 28036-7785
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014492119
Date	Sep 14, 2020
Book Page	14492/119

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	May 1, 2046

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 20, 2021
Property Address	3375 MERCHANT LN, DAVIDSON, NC 28036-7785
Document Number	0015187166
Book / Page	15187 / 166
Map Reference	MB 46 PG 22
Instrument Date	May 20, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$656.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1804 MAYBERRY RD, 1804, DALLAS, NC 28034-9668

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3375 MERCHANT LN, DAVIDSON, NC 28036-7785

Mortgage

Document Number	0015187168
Date	May 20, 2021
Instrument	15187/168

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of September 23, 2025

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
2025	$4,347.00 (+34.79%)	$382,890 (+58.49%) Land $95,000 Building $287,890
2024			$382,890 (+58.49%) Land $95,000 Building $287,890
2023	$3,225.00	$241,590 Land $50,000 Building $191,590	$241,590 Land $50,000 Building $191,590

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SHILOH CHURCH ROAD S/D serves 3,102 people · EPA ID NC2013022
Water Source	Purchased surface water from CITY OF CONCORD
Last State Inspection	May 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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