Lincoln County property record for 2515 Seagull Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,918 sqft · built 2018 |
| Lot Size | 0.191 acres (8,320 sqft) |
| Owner | Company Name on Record |
| Last Sale | $455,000 (Dec 2023) |
| Tax Bill | $2,711 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit Dec 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4604-87-7770 |
| Primary APN | 4604-87-7770 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,918 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Custom Design |
| Lot Area | 8,320 sqft (0.191 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 301749 |
|---|---|
| Street Address | 2515 SEAGULL DR |
| City | DENVER |
| State | NC |
| Zip | 28037-7885 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R CU |
| Legal Description | #72 COVINGTON@LN PH 3B M1 |
| Legal Subdivision | COVINGTON AT LAKE NORMAN SUBDIVISION |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 71203 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 2515 SEAGULL DR, DENVER, NC 28037-7885 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Nov 21, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Dec 14, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Dec 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Jun 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jun 15, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2023 · Amount on Record |
| Deed Sale | Dec 29, 2023 · Amount on Record |
| Prior Sale | Oct 29, 2018 · Amount on Record |
| Deed Document Number | 2023675624 |
| Deed Book / Page | 3297 / 365 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 2515 SEAGULL DR, DENVER, NC 28037-7885 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | STEWART TITLE GURANTY, STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|---|
| Address | 2515 SEAGULL DR, DENVER, NC 28037-7885 |
| Document Number | 0003212590 |
|---|---|
| Date | Nov 21, 2022 |
| Book Page | 3212/590 |
| Instrument | 660612 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 2515 SEAGULL DR, DENVER, NC 28037-7885 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 2515 SEAGULL DR, DENVER, NC 28037-7885 |
| Document Number | 0003294824 |
|---|---|
| Date | Dec 14, 2023 |
| Book Page | 3294/824 |
| Instrument | 675163 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27603 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Dec 29, 2023 |
| Property Address | 2515 SEAGULL DR, DENVER, NC 28037-7885 |
| Document Number | 0003297365 |
| Book / Page | 3297 / 365 |
| Map Reference | MB 17 PG 159&160 |
| Instrument Date | Dec 29, 2023 |
| Instrument | 675624 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Title Company | NH TITLE GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $910.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 MIDFIELD ST, MOORESVILLE, NC 28115-6734 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2515 SEAGULL DR, DENVER, NC 28037-7885 |
| Document Number | 0003297367 |
|---|---|
| Date | Dec 29, 2023 |
| Book Page | 3297/367 |
| Instrument | 675625 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 2515 SEAGULL DR, DENVER, NC 28037-7885 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|
| Document Number | 0002918408 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 2918/408 |
| Instrument | 610466 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 2515 SEAGULL DR, DENVER, NC 28037-7885 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002918430 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 2918/430 |
| Instrument | 610467 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,711.00 (+0.59%) | $422,366 (-) Land $82,000 Building $340,366 | $422,366 (-) Land $82,000 Building $340,366 |
| 2025 | $2,695.00 (+1.09%) | $422,366 (-) Land $82,000 Building $340,366 | $422,366 (-) Land $82,000 Building $340,366 |
| 2023 | $2,666.00 | $422,366 Land $82,000 Building $340,366 | $422,366 Land $82,000 Building $340,366 |
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 | 5 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 196 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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