1668 Sterling Branch Loop, Denver, NC 28037 Property Records

Lincoln County property record for 1668 Sterling Branch Loop, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,963 sqft · built 2025
Lot Size	0.078 acres (3,398 sqft)
Owner	2 Individual Names on Record
Last Sale	$748,000 (Feb 2026)
Tax Bill	$2,187 (2026)
Deeds & Mortgages	Dec 2025 Construction Loan Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4604-81-7808`

Property Details

APN / Parcel Number

Primary APN	`4604-81-7808`
Alternative APNs	`106470` `262520` `315733`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,963 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Custom Design
Lot Area	3,398 sqft (0.078 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	315733
Street Address	1668 STERLING BRANCH LOOP
City	DENVER
State	NC
Zip	28037-9040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R CU
Legal Description	#93 LT SPRINGS AT
Legal Subdivision	SPRINGS AT WESTPORT
Legal Lot Number	93
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2008
Census Tract	71202

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 Individual Names on Record
Mailing Address	1668 STERLING BRANCH LOOP, DENVER, NC 28037-9040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Construction Mortgage THE FIDELITY BANK
Feb 27, 2026	Warranty Deed, Transfer · Conventional Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Deed Document Number	2026706050
Deed Book / Page	3481 / 390
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	1668 STERLING BRANCH LOOP, DENVER, NC 28037-9040
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 BATTLEGROUND AVE 124, 124, GREENSBORO, NC 27408-8030

Mortgage

Document Number	0003463438
Date	Dec 15, 2025
Book Page	3463/438
Instrument	703155

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 27, 2026
Property Address	1668 STERLING BRANCH LOOP, DENVER, NC 28037-9040
Document Number	0003481390
Book / Page	3481 / 390
Map Reference	MB 24 PG 27
Instrument Date	Feb 25, 2026
Instrument	706050
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,496.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 9007, DENVER, NC 28037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1668 STERLING BRANCH LOOP # 93, 93, DENVER, NC 28037-9040

Mortgage

Document Number	0000706051
Date	Feb 27, 2026
Instrument	706051

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

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	$2,187.00 (+429.54%)	$338,908 (+395.48%) Land $80,400 Building $258,508	$338,908 (+395.48%) Land $80,400 Building $258,508
2025	$413.00	$68,400 Land $68,400	$68,400 Land $68,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.03% 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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