3688 Mercer St, Terrell, NC 28682 Property Records

Catawba County property record for 3688 Mercer St, Terrell, NC 28682

Property Summary

Property Type	Other
Details	1,615 sqft · built 2024
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jun 2026)
Tax Bill	$1,445 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2024 Sale & Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4617-09-16-9839`

Property Details

APN / Parcel Number

Primary APN	`4617-09-16-9839`
Alternative APN	`0805959`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,615 sqft Total Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3688 MERCER ST
City	TERRELL
State	NC
Zip	28682-9822
Property Category	Other
Property Type	Other > Miscellaneous
Local Zoning Code	PD-CD
Legal Description	LOT 59 PLAT 87-44
Legal Subdivision	VILLAS AT SHERRILLS FORD PHASE II
Legal Lot Number	59
Jurisdiction	CATAWBA NC
Township / Civil Division	MOUNTAIN CREEK
Census Block Group	2
Census Block	2054
Census Tract	11503

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Terrell Historic District listed 1986 · 11 contributing resources · NRIS 86001685

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3688 Mercer St is owned by an individual who bought it in June 2026.

Source: Catawba County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	3688 MERCER ST, TERRELL, NC 28682-9822
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Nov 1, 2024	Special Warranty Deed, Subdivision Related Transfer · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 23, 2024	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Nov 1, 2024 · Amount on File
Deed Document Number	202613166
Deed Book / Page	4031 / 575
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Jun 30, 2026
Property Address	3688 MERCER ST, TERRELL, NC 28682-9822
Document Number	0000013166
Book / Page	4031 / 575
Instrument Date	Jun 29, 2026
Instrument	202613166
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	FORTIFIED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,690.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3688 MERCER ST, TERRELL, NC 28682-9822

Mortgage

Document Number	0000013167,
Date	Jun 30, 2026
Instrument	202613167

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

November 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Nov 1, 2024
Property Address	3688 MERCER ST, TERRELL, NC 28682-9822
Document Number	0039041252
Book / Page	3904 / 1252
Map Reference	MB 87 PG 44
Instrument Date	Oct 30, 2024
Instrument	19654
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 2, 2025
Title Company	DHI TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$758.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8025 ARROWRIDGE BLVD, CHARLOTTE, NC 28273-5604

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019655
Date	Nov 1, 2024
Instrument	19655

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	911 Months
Due	Oct 19, 2100

February 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CATAWBA NC
Recording Date	Feb 23, 2024
Property Address	3688 MERCER ST, TERRELL, NC 28682-9822
Document Number	0038561790
Book / Page	3856 / 1790
Map Reference	MB 87 PG 44Y
Instrument Date	Feb 21, 2024
Instrument	3107
Transaction Type	Transfer
Record Updated	Oct 2, 2025

Transaction

Amount	Amount on Record
Tax	$4,794.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7224 JAMESON WAY, STANLEY, NC 28164-8835

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8025 ARROWRIDGE BLVD, CHARLOTTE, NC 28273-5604

Tax Assessment & Valuation

The 2025 property tax bill for 3688 Mercer St was $1,445, up 618.9% from the year before.

Source: Catawba County assessment roll, as of August 3, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Catawba County
Unified School District	Catawba County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$362,700 (-) Land $41,000 Building $321,700
2025	$1,445.00 (+618.91%)	$362,700 Land $41,000 Building $321,700
2024	$201.00
2023			$362,700 Land $41,000 Building $321,700

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

Flood

FEMA maps place 3688 Mercer St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective September 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2014–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2017 · other causes

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

Wildfire risk around 3688 Mercer St is low, with a 0.03% annual chance of 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	SOUTHEAST CATAWBA COUNTY serves 5,080 people · EPA ID NC2018004
Water Source	Purchased surface water from CITY OF CONOVER
Last State Inspection	Dec 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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