Lincoln County property record for 264 Crosscut Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 2,531 sqft · built 2003 |
| Lot Size | 0.559 acres (24,350 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $460,000 (Jun 2019) |
| Tax Bill | $4,170 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Jun 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-96-7829 |
| Primary APN | 3692-96-7829 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 2,531 sqft Living Area |
| Basement Area | 2,365 sqft |
| Finished Basement | 2,365 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Custom Design |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Lot Area | 24,350 sqft (0.559 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 273227 |
|---|---|
| Street Address | 264 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/71 |
| Legal Subdivision | PROSPECT HILL |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 71101 |
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 | 264 CROSSCUT DR, DENVER, NC 28037-9236 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC |
| Jun 21, 2019 | Warranty Deed, Transfer · Conventional Mortgage SUMMIT FNDG |
| Jan 30, 2018 | Deed of Trust, Mortgage · Line of Credit PEOPLES BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2019 · Amount on Record |
| Deed Sale | Jun 21, 2019 · Amount on Record |
| Prior Sale | May 22, 2015 · Amount on Record |
| Deed Document Number | 2019594126 |
| Deed Book / Page | 2825 / 776 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 264 CROSSCUT DR, DENVER, NC 28037-9236 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2915165 |
|---|---|
| Date | Jun 5, 2020 |
| Book Page | 2915/165 |
| Instrument | 609931 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jun 21, 2019 |
| Property Address | 264 CROSSCUT DR, DENVER, NC 28037-9236 |
| Document Number | 2825776 |
| Book / Page | 002825 / 000776 |
| Instrument Date | Jun 21, 2019 |
| Instrument | 594126 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2019 |
| Title Company | SOUTHERN HOME TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $920.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 264 CROSSCUT DR DENVER NC 280379236, DENVER, NC 28037-9236 |
| Document Number | 2825779 |
|---|---|
| Date | Jun 21, 2019 |
| Book Page | 002825/000779 |
| Instrument | 594127 |
| Name | SUMMIT FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | SACRAMENTO, CA 95815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 20, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 264 CROSSCUT DR, DENVER, NC 28037-9236 |
| Document Number | 2721399 |
| Instrument Date | Jan 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 264 CROSSCUT DR DENVER NC 280379236, DENVER, NC 28037-9236 |
| Document Number | 2721399 |
|---|---|
| Date | Feb 2, 2018 |
| Book Page | 002721/000399 |
| Instrument | 573709 |
| Name | PEOPLES BK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2033 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,170.00 (+0.92%) | $667,275 (-) Land $62,000 Building $605,275 | $667,275 (-) Land $62,000 Building $605,275 |
| 2023 | $4,132.00 | $667,275 Land $62,000 Building $605,275 | $667,275 Land $62,000 Building $605,275 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
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