1822 Joy Dr, Denver, NC 28037 Property Records

Lincoln County property record for 1822 Joy Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,142 sqft · built 2016
Lot Size	0.516 acres (22,477 sqft)
Owner	2 Individual Names on Record
Last Sale	$794,500 (Jan 2017)
Tax Bill	$7,377 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4613-13-1781`

Property Details

APN / Parcel Number

Primary APN	`4613-13-1781`
Alternative APNs	`461313131781` `261664` `78213`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	17 Rooms
Stories	1 Story
Building Area	2,142 sqft Living Area
Basement Area	2,078 sqft
Finished Basement	1,778 sqft
Unfinished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Lot Area	22,477 sqft (0.516 acres)
Loading Dock	480 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	261664
Street Address	1822 JOY DR
City	DENVER
State	NC
Zip	28037-8816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#3 LOT HOPE SHORES SUB
Legal Subdivision	HOPE SHORES
Legal Lot Number	3
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1003
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 Individual Names on Record
Mailing Address	1822 JOY DR, DENVER, NC 28037-8816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 1, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Jan 30, 2017	Warranty Deed, Subdivision Related Transfer BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2017 · Amount on Record
Deed Sale	Jan 30, 2017 · Amount on Record
Prior Sale	Apr 26, 2016 · Amount on Record
Deed Document Number	2017558230
Deed Book / Page	2643 / 749
Prior Transfer Date	Aug 16, 2013
Prior Transfer Doc	0024140718
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	1822 JOY DR, DENVER, NC 28037-8816
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003011289
Date	Feb 25, 2021
Book Page	3011/289
Instrument	626063

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	1822 JOY DR, DENVER, NC 28037-8816
Document Number	2862848
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1822 JOY DR DENVER NC 280378816, DENVER, NC 28037-8816

Mortgage

Document Number	2862848
Date	Nov 20, 2019
Book Page	002862/000848
Instrument	600773

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jan 30, 2017
Property Address	1822 JOY DR, DENVER, NC 28037-8816
Document Number	2643749
Book / Page	002643 / 000749
Instrument Date	Jan 30, 2017
Instrument	558230
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,589.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1822 JOY DR DENVER NC 28037, DENVER, NC 28037

Mortgage

Document Number	2643751
Date	Jan 30, 2017
Book Page	002643/000751
Instrument	558231

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2047

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	$7,377.00	$1,198,292 (-) Land $371,022 Building $827,270	$1,198,292 (-) Land $371,022 Building $827,270
2025	$7,377.00 (+0.7%)	$1,198,292 (-) Land $371,022 Building $827,270	$1,198,292 (-) Land $371,022 Building $827,270
2023	$7,326.00	$1,198,292 Land $371,022 Building $827,270	$1,198,292 Land $371,022 Building $827,270

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 95% of the US · lower than 97.4% 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.

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 72 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

Cell Coverage

5G (outdoors only) and 4G LTE

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