Lincoln County property record for 1524 Hidden Cove Ln, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,802 sqft · built 2016 |
| Lot Size | 0.691 acres (30,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,150 (Feb 2022) |
| Tax Bill | $6,730 (2026) |
| Deeds & Mortgages | May 2022 Line of Credit Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4603-81-0828 |
| Primary APN | 4603-81-0828 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 15 Rooms |
| Stories | 1 Story |
| Building Area | 2,802 sqft Living Area |
| Basement Area | 2,224 sqft |
| Unfinished Basement | 2,224 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Custom Design |
| Lot Area | 30,100 sqft (0.691 acres) |
| Loading Dock | 837 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 289707 |
|---|---|
| Street Address | 1524 HIDDEN COVE LN |
| City | DENVER |
| State | NC |
| Zip | 28037-7714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | LT 2 & PT 1 ALFRED CHERRY |
| Legal Subdivision | MATTHEW NATOLI SURV |
| Legal Lot Number | 2 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 71201 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1524 HIDDEN COVE LN, DENVER, NC 28037-7714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2022 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Feb 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 18, 2022 · Amount on Record |
| Deed Sale | Feb 18, 2022 · Amount on Record |
| Deed Document Number | 2022647774 |
| Deed Book / Page | 3138 / 211 |
| Prior Transfer Date | Apr 6, 2006 |
| Prior Transfer Doc | 0000006391 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1524 HIDDEN COVE LN, DENVER, NC 28037-7714 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1524 HIDDEN COVE LN, DENVER, NC 28037-7714 |
| Document Number | 0003167201 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 3167/201 |
| Instrument | 652621 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Feb 18, 2022 |
| Property Address | 1524 HIDDEN COVE LN, DENVER, NC 28037-7714 |
| Document Number | 0003138211 |
| Book / Page | 3138 / 211 |
| Instrument Date | Feb 18, 2022 |
| Instrument | 647774 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1508 HIDDEN COVE LN, 1508, DENVER, NC 28037-7714 |
| Name | Verified Name |
|---|---|
| Address | 1524 HIDDEN COVE LN, DENVER, NC 28037-7714 |
| Document Number | 0000647775 |
|---|---|
| Date | Feb 18, 2022 |
| Instrument | 647775 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Mar 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 8.5% |
| Index | Other |
| Max Rate | 8.5% |
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,730.00 (-1.69%) | $1,091,219 (-2.44%) Land $359,385 Building $731,834 | $1,091,219 (-2.44%) Land $359,385 Building $731,834 |
| 2023 | $6,846.00 | $1,118,522 Land $359,385 Building $759,137 | $1,118,522 Land $359,385 Building $759,137 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 93 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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