636 Merchant Dr, Winterville, NC 28590 Property Records

Pitt County property record for 636 Merchant Dr, Winterville, NC 28590

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,358 sqft · built 2001
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Dec 2021)
Tax Bill	$2,116 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060691`

Property Details

APN / Parcel Number

Primary APN	`060691`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,358 sqft Heated Area
Gross Area	2,932 sqft
1st Floor Area	904 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Area	534 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	636 MERCHANT DR
City	WINTERVILLE
State	NC
Zip	28590-9831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	CANTERBURY
Legal Subdivision	CANTERBURY
Legal Lot Number	218
Jurisdiction	PITT NC
Township / Civil Division	WINTERVILLE
Census Block Group	2
Census Block	2039
Census Tract	1304

Owner

636 Merchant Dr is owned and occupied by two individuals who bought it in December 2021.

Source: Pitt County records, as of August 24, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	636 MERCHANT DR, WINTERVILLE, NC 28590-9831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2021 · Amount on File
Deed Sale	Dec 3, 2021 · Amount on File
Prior Sale	Feb 21, 2014 · Amount on File
Deed Book / Page	4210 / 610
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PITT NC
Recording Date	Dec 3, 2021
Property Address	636 MERCHANT DR, WINTERVILLE, NC 28590-9831
Document Number	0000004210
Book / Page	4210 / 610
Map Reference	MB 51 PG 164
Instrument Date	Nov 24, 2021
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	443 PINEWOOD RD, ASHEBORO, NC 27205-0923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 MERCHANT DR, WINTERVILLE, NC 28590-9831

Mortgage

Document Number	0004210613
Date	Dec 3, 2021
Instrument	4210/613

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 636 Merchant Dr was $2,116.

Source: Pitt County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Pitt County
Municipality	Winterville Town
Unified School District	Pitt County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,116.00	$315,215 Land $35,000 Building $280,215	$315,215 Land $35,000 Building $280,215
2023	$1,915.00	$239,803 Land $35,000 Building $204,803	$239,803 Land $35,000 Building $204,803

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

Flood

FEMA maps place 636 Merchant Dr in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2006.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · 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 34 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	10 (2006–2025)
Claims Outside the SFHA	2 of 10
Most Recent Claim	Jun 2025 · river or lake flooding
Claims by Event	Hurricane Matthew, Oct 2016 · 6 claims

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 636 Merchant Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	TOWN OF WINTERVILLE serves 10,462 people · EPA ID NC0474040
Water Source	Purchased surface water from GREENVILLE UTILITIES COMM
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20