3386 Merchant Ln, Davidson, NC 28036 Property Records

Cabarrus County property record for 3386 Merchant Ln, Davidson, NC 28036

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,756 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$296,000 (Jun 2020)
Tax Bill	$3,894 (2023)
Deeds & Mortgages	Feb 2022 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03008B0058.000000`

Property Details

APN / Parcel Number

Primary APN	`03008B0058.000000`
Alternative APNs	`4672 57 2147` `138262`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,756 sqft Living Area
Gross Area	3,902 sqft
1st Floor Area	1,746 sqft
Upper Floors Area	1,010 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Mixed
Garage Area	506 sqft
Driveway	Concrete Driveway
Driveway Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	134 sqft
Patio Area	506 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	138262
Street Address	3386 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 58 FARM AT RIVERPOINTE
Legal Subdivision	FARM AT RIVERPOINTE FRONT
Legal Lot Number	58
Jurisdiction	CABARRUS NC
Township / Civil Division	3, ODELL
Census Block Group	1
Census Block	1020
Census Tract	41301

Owner

Source: Cabarrus County records, as of August 27, 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	3386 MERCHANT LN, DAVIDSON, NC 28036-7785
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 12, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2020 · Amount on Record
Deed Sale	Jun 12, 2020 · Amount on Record
Prior Sale	Apr 4, 2006 · Amount on Record
Deed Book / Page	14244 / 173
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	3386 MERCHANT LN, DAVIDSON, NC 28036-7785
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015847202
Date	Feb 15, 2022
Book Page	15847/202

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 12, 2020
Property Address	3386 MERCHANT LN, DAVIDSON, NC 28036-7785
Document Number	0014244173
Book / Page	14244 / 173
Map Reference	MB 48 PG 22
Instrument Date	Jun 12, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	600 COX MILL RD, 600, CONCORD, NC 28027-7558

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3386 MERCHANT LN, DAVIDSON, NC 28036-7785

Mortgage

Document Number	0014244176
Date	Jun 12, 2020
Instrument	14244/176

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

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
2026		$469,550 (-) Land $95,000 Building $374,550
2025		$469,550 (+64.34%) Land $95,000 Building $374,550
2024			$469,550 (+64.34%) Land $95,000 Building $374,550
2023	$3,894.00	$285,720 Land $50,000 Building $235,720	$285,720 Land $50,000 Building $235,720

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
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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