Cabarrus County property record for 3396 Merchant Ln, Davidson, NC 28036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,167 sqft · built 2005 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Jul 2019) |
| Tax Bill | $3,147 (2023) |
| Deeds & Mortgages | Feb 2021 Mortgage Jul 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03008B0056.000000 |
| Primary APN | 03008B0056.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,167 sqft Living Area |
| Gross Area | 2,608 sqft |
| 1st Floor Area | 1,403 sqft |
| Upper Floors Area | 764 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| 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 | 441 sqft |
| Driveway | Driveway |
| Driveway Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 131384 |
|---|---|
| Street Address | 3396 MERCHANT LN |
| City | DAVIDSON |
| State | NC |
| Zip | 28036-7785 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-1 |
| Legal Description | LT 56 FARM AT RIVERPOINTE |
| Legal Subdivision | FARM/RIVERPOINT PH 01B MAP 01 |
| Legal Lot Number | 56 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 3, ODELL |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 41301 |
Source: Cabarrus County assessment roll, APN 03008B0056.000000, as of January 1, 2023 · Last verified May 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3396 MERCHANT LN, DAVIDSON, NC 28036-7785 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 01, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Jul 02, 2019 | Warranty Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC |
| Feb 14, 2019 | Grant Deed, Mortgage · Line of Credit NRP MORTGAGE TRUST I (CT) |
| Oct 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2019 · Amount on Record |
| Deed Sale | Jul 02, 2019 · Amount on Record |
| Prior Sale | Feb 14, 2019 · Amount on Record |
| Deed Document Number | 0013584339 |
| Deed Book / Page | 13584 / 339 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 3396 MERCHANT LN, DAVIDSON, NC 28036-7785 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0014874108 |
|---|---|
| Date | Feb 01, 2021 |
| Book Page | 14874/108 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jul 02, 2019 |
| Property Address | 3396 MERCHANT LN, DAVIDSON, NC 28036-7785 |
| Document Number | 0013584339 |
| Book / Page | 13584 / 0339 |
| Map Reference | MB 46 PG 22 |
| Instrument Date | May 13, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 HOWARD ST #550550, 405, DAVIDSON, NC 28036 |
| Name | Verified Name |
|---|---|
| Address | 3396 MERCHANT LN, SAN FRANCISCO, CA 94105 |
| Document Number | 0013584341 |
|---|---|
| Date | Jul 02, 2019 |
| Instrument | 13584/341 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Feb 14, 2019 |
| Property Address | 3396 MERCHANT LN, DAVIDSON, NC 28036-7785 |
| Document Number | 13372288 |
| Book / Page | 013372 / 000288 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 3343 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $496.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999 |
| Investor | Possibly a Property Investor |
| Document Number | 13372290 |
|---|---|
| Date | Feb 14, 2019 |
| Book Page | 013372/000290 |
| Instrument | 3344 |
| Name | NRP MORTGAGE TRUST I (CT) |
|---|---|
| Address | 500 DELAWARE AVE # 11TH, WILMINGTON, DE 19801-1490 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 3396 MERCHANT LN, DAVIDSON, NC 28036-7785 |
| Document Number | 12723179 |
| Book / Page | 012723 / 000179 |
| Instrument Date | Oct 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3396 MERCHANT LN DAVIDSON NC 280367785, DAVIDSON, NC 28036-7785 |
| Document Number | 12723179 |
|---|---|
| Date | Oct 17, 2017 |
| Book Page | 012723/000179 |
| Instrument | 27040 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 16, 2037 |
Source: Cabarrus County assessment roll as of January 1, 2023 · Last verified May 2024
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Municipality | Kannapolis City |
| Unified School District | Cabarrus County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $3,147.00 | $229,710 Land $50,000 Building $179,710 | $229,710 Land $50,000 Building $179,710 |
Source: FEMA National Flood Hazard Layer, Cabarrus County (37025C), as of July 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370250413011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection, 149 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system NC2013022, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SHILOH CHURCH ROAD S/D serves 3,102 people |
|---|---|
| Water Source | Purchased surface water from CITY OF CONCORD |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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