1434 Bumcombe Ln, Denver, NC 28037 Property Records

Lincoln County property record for 1434 Bumcombe Ln, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,737 sqft · built 1996
Lot Size	1.36 acres (59,459 sqft)
Owner	2 Company Names on Record
Last Sale	$967,500 (Apr 2016)
Tax Bill	$11,929 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4612-65-0808`

Property Details

APN / Parcel Number

Primary APN	`4612-65-0808`
Alternative APNs	`461211650808` `258396` `312009` `51452`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,737 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Historical
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	59,459 sqft (1.36 acres)
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	648 sqft
Porch	Slab
Deck Area	616 sqft
Boat Access	Boat Access
Boat House	616 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	312009
Street Address	1434 BUMCOMBE LN
City	DENVER
State	NC
Zip	28037-7586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	K.MICHAEL RD 1393
Legal Subdivision	KENENTH D EARNHARDT
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1001
Census Tract	71201

Owner

Source: Lincoln County records, as of August 27, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	1434 BUMCOMBE LN, DENVER, NC 28037-7586
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2016 · Amount on Record
Deed Sale	Apr 20, 2016 · Amount on Record
Prior Sale	Jul 12, 1995 · Amount on Record
Deed Document Number	2016546113
Deed Book / Page	2581 / 876
Last Transfer Date	Aug 26, 2025
Transfer Doc	0003433623
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	1434 BUMCOMBE LN, DENVER, NC 28037-7586
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIRST INTEGRITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002997209
Date	Jan 21, 2021
Book Page	2997/209
Instrument	623761

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	1434 BUMCOMBE LN, DENVER, NC 28037-7586
Document Number	28921
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1434 BUMCOMBE LN DENVER NC 280377586, DENVER, NC 28037-7586

Mortgage

Document Number	28921
Date	Mar 23, 2020
Book Page	002892/000001
Instrument	606145

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2050

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,929.00	$1,951,911 (-) Land $497,390 Building $1,454,521	$1,951,911 (-) Land $497,390 Building $1,454,521
2025	$11,929.00 (+0.6%)	$1,951,911 (-) Land $497,390 Building $1,454,521	$1,951,911 (-) Land $497,390 Building $1,454,521
2023	$11,858.00	$1,951,911 Land $497,390 Building $1,454,521	$1,951,911 Land $497,390 Building $1,454,521

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 January 21, 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	6 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	LINCOLN COUNTY WTP serves 49,693 people · EPA ID NC0155035
Water Source	Surface water
Last State Inspection	Nov 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	1 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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