Lincoln County property record for 2379 Smith Cove Rd, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,195 sqft · built 2003 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $520,000 (Jul 2023) |
| Tax Bill | $3,229 (2026) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4603-68-7727 |
| Primary APN | 4603-68-7727 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,195 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Custom Design |
| Construction Type | Concrete |
| Lot Area | 11,326 sqft (0.26 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 298294 |
|---|---|
| Street Address | 2379 SMITH COVE RD |
| City | DENVER |
| State | NC |
| Zip | 28037-7010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-MU |
| Legal Description | #146 LOT SMITHSTONE SUB |
| Legal Subdivision | SMITHSTONE |
| Legal Lot Number | 146 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 71202 |
2379 Smith Cove Rd is owned and occupied by two individuals who bought it in July 2023.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2379 SMITH COVE RD, DENVER, NC 28037-7010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 12, 2023 | Warranty Deed, Transfer · FHA Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Dec 15, 2020 | Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Dec 31, 2019 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2023 · Amount on File |
| Deed Sale | Jul 12, 2023 · Amount on File |
| Prior Sale | Dec 15, 2020 |
| Deed Document Number | 2023669432 |
| Deed Book / Page | 3262 / 757 |
| Prior Transfer Date | Dec 10, 2020 |
| Prior Transfer Doc | 2985370 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jul 12, 2023 |
| Property Address | 2379 SMITH COVE RD, DENVER, NC 28037-7010 |
| Document Number | 0003262757 |
| Book / Page | 3262 / 757 |
| Map Reference | MB 12 PG 215 |
| Instrument Date | Jul 12, 2023 |
| Instrument | 669432 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2023 |
| Title Company | MERIDIAN TITLE COMPANY INC, MERIDIAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,040.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3621 CERELIA LN, DENVER, NC 28037-8851 |
| Name | Verified Name |
|---|---|
| Address | 2379 SMITH COVE RD, DENVER, NC 28037-7010 |
| Document Number | 0000669433 |
|---|---|
| Date | Jul 12, 2023 |
| Instrument | 669433 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Dec 15, 2020 |
| Property Address | 2379 SMITH COVE RD, DENVER, NC 28037-7010 |
| Document Number | 2985370 |
| Book / Page | 2985 / 370 |
| Map Reference | MB 12 PG 215 |
| Instrument Date | Dec 10, 2020 |
| Instrument | 621751 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | PRIORITY TITLE AND ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2379 SMITH COVE RD, DENVER, NC 28037-7010 |
| Document Number | 621752 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 621752 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Dec 31, 2019 |
| Property Address | 2379 SMITH COVE RD, DENVER, NC 28037-7010 |
| Document Number | 2872688 |
| Book / Page | 002872 / 000688 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 602600 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $625.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2379 SMITH COVE RD DENVER NC 280377010, DENVER, NC 28037-7010 |
| Document Number | 2872691 |
|---|---|
| Date | Dec 31, 2019 |
| Book Page | 002872/000691 |
| Instrument | 602601 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 30, 2049 |
The 2026 property tax bill for 2379 Smith Cove Rd was $3,229.
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 | $3,229.00 | $511,584 (-) Land $64,000 Building $447,584 | $511,584 (-) Land $64,000 Building $447,584 |
| 2025 | $3,229.00 | $511,584 Land $64,000 Building $447,584 | $511,584 Land $64,000 Building $447,584 |
| 2023 | $2,926.00 (+44%) | $511,584 (+65.13%) Land $64,000 Building $447,584 | $511,584 (+65.13%) Land $64,000 Building $447,584 |
| 2022 | $2,032.00 | $309,805 Land $52,000 Building $257,805 | $309,805 Land $52,000 Building $257,805 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2379 Smith Cove Rd in Zone X, an area of minimal flood risk.
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 risk around 2379 Smith Cove Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% 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.
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 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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