Cabarrus County property record for 3945 Chatter Ln, Midland, NC 28107
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,589 sqft · built 2007 |
| Lot Size | 2.83 acres (123,275 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,227,500 (Jun 2006) |
| Tax Bill | $4,668 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10005B0004.000000 |
| Primary APN | 10005B0004.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,589 sqft Living Area |
| Gross Area | 5,083 sqft |
| 1st Floor Area | 2,040 sqft |
| Upper Floors Area | 1,549 sqft |
| Attic | Attic |
| Attic Area | 240 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick Veneer |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 123,275 sqft (2.83 acres) |
| Lot Dimensions | 299 ft deep x 407 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,789 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 2,000 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 473 sqft |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 3922 |
|---|---|
| Street Address | 3945 CHATTER LN |
| City | MIDLAND |
| State | NC |
| Zip | 28107-4723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Description | LT 4 PINELEAF ACRES |
| Legal Subdivision | PINELEAF ACRES |
| Legal Lot Number | 4 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 10, MIDLAND |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 41604 |
Source: Cabarrus County records · APN 10005B0004.000000
Assessment roll updated September 23, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 3945 CHATTER LN, MIDLAND, NC 28107-4723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 30, 2006 · Amount on Record |
| Deed Sale | Jun 30, 2006 · Amount on Record |
| Prior Sale | Mar 23, 2006 · Amount on Record |
| Deed Book / Page | 6854 / 22 |
| Last Transfer Date | Sep 15, 2006 |
| Transfer Doc | 0000707456 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jul 23, 2026 |
| Property Address | 3945 CHATTER LN, MIDLAND, NC 28107-4723 |
| Document Number | 0000017465 |
| Book / Page | 18095 / 1 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 202617465 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3945 CHATTER LN, MIDLAND, NC 28107-4723 |
| Document Number | 0000017465, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 18095/1 |
| Instrument | 202617465 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 13, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
Source: Cabarrus County records · Assessment roll updated September 23, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Unified School District | Cabarrus County Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,668.00 (+21.47%) | $690,570 (+50.93%) Land $89,710 Building $600,860 | |
| 2024 | $690,570 (+50.93%) Land $89,710 Building $600,860 | ||
| 2023 | $3,843.00 | $457,550 Land $58,310 Building $399,240 | $457,550 Land $58,310 Building $399,240 |
Source: FEMA National Flood Hazard Layer as of July 1, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 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 |
May also be available: T-Mobile USA.
Based on FCC filings for 51 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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