Mecklenburg County property record for 391 Armour St, Davidson, NC 28036
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 4 ba · 2,240 sqft · built 2007 |
| Lot Size | 0.026 acres (1,138 sqft) |
| Owner | Individual Name on File |
| Last Sale | $247,000 (Nov 2016) |
| Tax Bill | $4,327 (2023) |
| Deeds & Mortgages | Mar 2017 Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-275-51 |
| Primary APN | 003-275-51 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,240 sqft Heated Area |
| Gross Area | 2,784 sqft |
| 1st Floor Area | 936 sqft |
| Upper Floors Area | 924 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 1,138 sqft (0.026 acres) |
| Garage Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 003-275-51 |
|---|---|
| Street Address | 391 ARMOUR ST |
| City | DAVIDSON |
| State | NC |
| Zip | 28036-6901 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | VI |
| Legal Description | LE-1004B BLDG 4 M48-155 |
| Legal Subdivision | DAVIDSON BAY |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 9, DEWEESE |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 6403 |
391 Armour St, a townhouse, is owned by an individual who bought it in November 2016.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1027 SAN MICHELE PL, DAVIDSON, NC 28036-8301 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Nov 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK AND TRUST CO INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2016 · Amount on File |
| Deed Sale | Nov 30, 2016 · Amount on File |
| Prior Sale | Jun 11, 2015 · Amount on File |
| Deed Document Number | 0031382896 |
| Deed Book / Page | 31382 / 896 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 391 ARMOUR ST, DAVIDSON, NC 28036-6901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038523 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 31666/228 |
| Instrument | 2017038523 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 391 ARMOUR ST, DAVIDSON, NC 28036-6901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 0000155342 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 34036/393 |
| Instrument | 2019155342 |
| Name | FIRST CITIZENS BANK AND TRUST CO INC |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.43% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.43% |
| Index | 1-Year LIBOR |
| Max Rate | 9.43% |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Davidson Town |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
FEMA maps place 391 Armour St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · 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 File median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
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 risk around 391 Armour St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 349 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| TDS Telecom Cable · Fiber in parts of the area | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
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