3400 Merchant Ln, Davidson, NC 28036 Property Records

Cabarrus County property record for 3400 Merchant Ln, Davidson, NC 28036

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,639 sqft · built 2005
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$373,500 (May 2026)
Tax Bill	$3,218 (2023)
Deeds & Mortgages	May 2026 Sale & Mortgage Jun 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03008B0055.000000`

Property Details

APN / Parcel Number

Primary APN	`03008B0055.000000`
Alternative APNs	`4672 57 3387` `130943`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,639 sqft Living Area
Gross Area	2,314 sqft
1st Floor Area	1,399 sqft
Upper Floors Area	240 sqft
Flooring	Vinyl/Resilient
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	20,473 sqft (0.47 acres)
Lot Dimensions	145 ft deep x 70 ft wide
Garage Type	Mixed
Garage Area	485 sqft
Driveway	Concrete Driveway
Driveway Area	774 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	130943
Street Address	3400 MERCHANT LN
City	DAVIDSON
State	NC
Zip	28036-7784
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LT 55 FARM AT RIVERPOINTE
Legal Subdivision	FARM AT RIVERPOINTE FRONT
Legal Lot Number	55
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	3400 MERCHANT LN, DAVIDSON, NC 28036-7784
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORPORATION
Jun 13, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Aug 27, 2018	Deed of Trust, Mortgage PINNACLE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2026 · Amount on Record
Deed Sale	May 12, 2026 · Amount on Record
Prior Sale	Jun 13, 2019 · Amount on Record
Deed Document Number	202610941
Deed Book / Page	17983 / 28
Prior Transfer Date	Jun 10, 2019
Prior Transfer Doc	13549326
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	May 12, 2026
Property Address	3400 MERCHANT LN, DAVIDSON, NC 28036-7784
Document Number	0000010941
Book / Page	17983 / 28
Instrument Date	May 11, 2026
Instrument	202610941
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$75,447.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3400 MERCHANT LN, DAVIDSON, NC 28036-7784

Mortgage

Document Number	0000010942,
Date	May 12, 2026
Instrument	202610942

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Jun 13, 2019
Property Address	3400 MERCHANT LN, DAVIDSON, NC 28036-7784
Document Number	13549326
Book / Page	013549 / 000326
Instrument Date	Jun 10, 2019
Instrument	14464
Transaction Type	Transfer
Record Updated	Jun 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$440.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	41 CRESTWELL MANOR DR GREENSBORO NC 27407, GREENSBORO, NC 27407

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	3400 MERCHANT LN, DAVIDSON, NC 28036-7784
Document Number	13156158
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Sep 7, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 41313 GREENSBORO NC 274041313, GREENSBORO, NC 27404-1313

Mortgage

Document Number	13156158
Date	Aug 28, 2018
Book Page	013156/000158
Instrument	21423

Lender

Name	PINNACLE BK
Type	Bank
Address	707 GREEN VALLEY RD, GREENSBORO, NC 27408-7019

Agreement

Amount	Amount Recorded

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		$359,780 (-) Land $95,000 Building $264,780
2025		$359,780 (+53.15%) Land $95,000 Building $264,780
2024			$359,780 (+53.15%) Land $95,000 Building $264,780
2023	$3,218.00	$234,920 Land $50,000 Building $184,920	$234,920 Land $50,000 Building $184,920

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 163 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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