645 Harbor Dr E, Lexington, NC 27292 Property Records

Davidson County property record for 645 Harbor Dr E, Lexington, NC 27292

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,485 sqft · built 2022
Lot Size	1.12 acres (48,787 sqft)
Owner	Trust Name on Record
Last Sale	$275,000 (Dec 2020)
Tax Bill	$4,758 (2026)
Deeds & Mortgages	Jul 2021 Construction Loan Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-022-A-000-0008`

Property Details

APN / Parcel Number

Primary APN	`09-022-A-000-0008`
Alternative APNs	`9250555` `9280327`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	5,485 sqft Total Area
1st Floor Area	3,170 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Wood Shingle
Lot Area	48,787 sqft (1.12 acres)
Lot Width	421 ft Width
Garage Type	Mixed
Garage Area	1,356 sqft
Parking Spaces	5 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	9280327
Street Address	645 HARBOR DR E
City	LEXINGTON
State	NC
Zip	27292-7483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA2
Legal Description	P=27-57 L8 BK2679-2278 STONEY PT HAR
Legal Subdivision	STONEY POINT HARBOR
Jurisdiction	DAVIDSON NC
Township / Civil Division	HEALING SPRING
Census Block Group	1
Census Block	1037
Census Tract	62001

Owner

Source: Davidson County records, as of October 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	645 HARBOR DR E, LEXINGTON, NC 27292-7483
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 10, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2020 · Amount on Record
Deed Sale	Dec 10, 2020 · Amount on Record
Prior Sale	Dec 28, 2005 · Amount on Record
Deed Document Number	202027447
Deed Book / Page	2446 / 341
Last Transfer Date	Sep 19, 2024
Transfer Doc	0026792027
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAVIDSON NC
Property Address	645 HARBOR DR E, LEXINGTON, NC 27292-7483
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 HARBOR DR E, LEXINGTON, NC 27292-7483

Mortgage

Document Number	0024922083
Date	Jul 30, 2021
Book Page	2492/2083
Instrument	2021000019009

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAVIDSON NC
Recording Date	Dec 10, 2020
Property Address	645 HARBOR DR E, LEXINGTON, NC 27292-7483
Document Number	0024460341
Book / Page	002446 / 000341
Instrument Date	Dec 10, 2020
Instrument	27447
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$550.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	18503 HAWKSTONE CT OLNEY MD 208321896, OLNEY, MD 20832-1896

Tax Assessment & Valuation

Source: Davidson County assessment roll, as of October 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,758.00 (+7.92%)	$881,210 (+6.29%)	$881,210 (+6.29%) Land $271,200 Building $610,010
2025	$4,409.00 (-1.5%)	$829,050 (-)	$829,050 (-) Land $271,200 Building $557,850
2023	$4,476.00	$829,050	$829,050 Land $271,200 Building $557,850

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Windstream.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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