Mecklenburg County property record for 395 Armour St, Davidson, NC 28036
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 4 ba · 2,462 sqft · built 2007 |
| Lot Size | 0.039 acres (1,704 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Sep 2019) |
| Tax Bill | $4,827 (2023) |
| Deeds & Mortgages | Dec 2022 Line of Credit Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-275-52 |
| Primary APN | 003-275-52 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,462 sqft Heated Area |
| Gross Area | 2,756 sqft |
| 1st Floor Area | 950 sqft |
| Upper Floors Area | 882 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 1,704 sqft (0.039 acres) |
| Garage Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 003-275-52 |
|---|---|
| Street Address | 395 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-1004C 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 |
395 Armour St, a townhouse, is owned and occupied by an individual who bought it in September 2019.
Source: Mecklenburg County records, as of May 24, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 395 ARMOUR ST, DAVIDSON, NC 28036-6901 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Dec 16, 2022 | Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU |
| Feb 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Sep 16, 2019 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2019 · Amount on File |
| Deed Sale | Sep 16, 2019 · Amount on File |
| Deed Document Number | 0033852322 |
| Deed Book / Page | 33852 / 322 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 395 ARMOUR ST, DAVIDSON, NC 28036-6901 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000165038 |
|---|---|
| Date | Dec 16, 2022 |
| Book Page | 37833/399 |
| Instrument | 2022165038 |
| Name | ALLEGACY FCU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 395 ARMOUR ST, DAVIDSON, NC 28036-6901 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000034687 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 35707/503 |
| Instrument | 2021034687 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 16, 2019 |
| Property Address | 395 ARMOUR ST, DAVIDSON, NC 28036-6901 |
| Document Number | 0000122299 |
| Book / Page | 033852 / 000322 |
| Instrument Date | Sep 16, 2019 |
| Instrument | 122299 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $680.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 395 ARMOUR ST DAVIDSON NC 280366901, DAVIDSON, NC 28036-6901 |
| Document Number | 122300 |
|---|---|
| Date | Sep 16, 2019 |
| Book Page | 033852/000324 |
| Instrument | 122300 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 15, 2049 |
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 395 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 395 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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