246 Crosscut Dr, Denver, NC 28037 Property Records

Lincoln County property record for 246 Crosscut Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,984 sqft · built 1996
Lot Size	0.535 acres (23,305 sqft)
Owner	Individual Name on File
Last Sale	$298,000 (Mar 2013)
Tax Bill	$3,241 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3692-96-7787`

Property Details

APN / Parcel Number

Primary APN	`3692-96-7787`
Alternative APNs	`369200967787` `281700` `51397`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,984 sqft Living Area
Basement Area	1,389 sqft
Finished Basement	992 sqft
Unfinished Basement	397 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Construction Type	Concrete
Lot Area	23,305 sqft (0.535 acres)
Pool Area	512 sqft
Gazebo	1 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	281700
Street Address	246 CROSSCUT DR
City	DENVER
State	NC
Zip	28037-9236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	PROSPECT HILL V/70
Legal Subdivision	PROSPECT HILL
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2029
Census Tract	71101

Owner

246 Crosscut Dr is owned and occupied by an individual who acquired it in November 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	246 CROSSCUT DR, DENVER, NC 28037-9236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 23, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
Jun 14, 2017	Quit Claim Deed, Transfer · Conventional with PMI MILEND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2013 · Amount on File
Deed Sale	Mar 1, 2013 · Amount on File
Prior Sale	Dec 21, 2012 · Amount on File
Deed Document Number	2013504319
Deed Book / Page	2379 / 585
Last Transfer Date	Nov 18, 2020
Transfer Doc	2977776
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	246 CROSSCUT DR, DENVER, NC 28037-9236
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	246 CROSSCUT DR, DENVER, NC 28037-9236

Mortgage

Document Number	0003131163
Date	Jan 28, 2022
Book Page	3131/163
Instrument	646575

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	Nov 23, 2020
Property Address	246 CROSSCUT DR, DENVER, NC 28037-9236
Document Number	2977776
Book / Page	2977 / 776
Map Reference	MB F PG 262
Instrument Date	Nov 18, 2020
Instrument	620471
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST CHOICE TITLE SVCS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	620472
Date	Nov 23, 2020
Instrument	620472

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 14, 2017
Property Address	246 CROSSCUT DR, DENVER, NC 28037-9236
Document Number	2671967
Book / Page	002671 / 000967
Instrument Date	May 9, 2017
Instrument	564043
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	246 CROSSCUT DR DENVER NC 280379236, DENVER, NC 28037-9236

Mortgage

Document Number	2671969
Date	Jun 14, 2017
Book Page	002671/000969
Instrument	564044

Lender

Name	MILEND
Address	ATLANTA, GA 30350

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 13, 2047

Mortgage

Document Number	2671987,
Date	Jun 14, 2017
Book Page	002671/000987
Instrument	564045

Lender

Name	MILEND
Address	ATLANTA, GA 30350

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jun 13, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 246 Crosscut Dr was $3,241.

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	$3,241.00	$513,574 (-) Land $62,000 Building $451,574	$513,574 (-) Land $62,000 Building $451,574
2025	$3,241.00	$513,574 Land $62,000 Building $451,574	$513,574 Land $62,000 Building $451,574
2023	$3,208.00	$513,574 Land $62,000 Building $451,574	$513,574 Land $62,000 Building $451,574

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 246 Crosscut Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	3 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025 · rainfall accumulation

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

Wildfire risk around 246 Crosscut Dr 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 93% of the US · lower than 95% 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	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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