Lincoln County property record for 306 Crosscut Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,056 sqft · built 1998 |
| Lot Size | 0.568 acres (24,742 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $485,000 (Mar 2023) |
| Tax Bill | $2,967 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Feb 2024 Transfer + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-97-8231 |
| Primary APN | 3692-97-8231 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,056 sqft Living Area |
| Basement Area | 1,114 sqft |
| Finished Basement | 1,114 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 24,742 sqft (0.568 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 302486 |
|---|---|
| Street Address | 306 CROSSCUT DR |
| City | DENVER |
| State | NC |
| Zip | 28037-9201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | PROSPECT HILL V/74 |
| 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 Company Names on Record |
|---|---|
| Mailing Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Feb 27, 2024 | Intrafamily Transfer, Transfer |
| Mar 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 25, 2020 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Aug 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Jul 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 14, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jun 30, 2022 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Mar 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2023 · Amount on Record |
| Deed Sale | Mar 3, 2023 · Amount on Record |
| Prior Sale | Jun 30, 2022 · Amount on Record |
| Deed Document Number | 2023664299 |
| Deed Book / Page | 3233 / 149 |
| Last Transfer Date | Feb 27, 2024 |
| Transfer Doc | 0003307581 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Apr 24, 2026 |
| Property Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Document Number | 0000708642 |
| Book / Page | 3497 / 545 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 2026708642 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Document Number | 0000708642, |
|---|---|
| Date | Apr 24, 2026 |
| Book Page | 3497/545 |
| Instrument | 2026708642 |
| Name | SPRING EQ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Feb 27, 2024 |
| Property Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Document Number | 0003307581 |
| Book / Page | 3307 / 581 |
| Map Reference | MB F PG 262 |
| Instrument Date | Feb 27, 2024 |
| Instrument | 677470 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Mar 3, 2023 |
| Property Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Document Number | 0003233149 |
| Book / Page | 3233 / 149 |
| Map Reference | MB F PG 262 |
| Instrument Date | Mar 2, 2023 |
| Instrument | 664299 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2023 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $970.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094 |
| Name | Verified Name |
|---|---|
| Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Document Number | 0000664300 |
|---|---|
| Date | Mar 3, 2023 |
| Instrument | 664300 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002921551 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 2921/551 |
| Instrument | 611034 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | DENVER, NC 28037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002936518 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 2936/518 |
| Instrument | 613508 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.37% |
| Index | 5-Year CMT |
| Max Rate | 9.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0003062799 |
|---|---|
| Date | Jul 16, 2021 |
| Book Page | 3062/799 |
| Instrument | 635086 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0003016294 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 3016/294 |
| Instrument | 626832 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Apr 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.87% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0003095751 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 3095/751 |
| Instrument | 640709 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | DENVER, NC 28037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jun 30, 2022 |
| Property Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Document Number | 0003177322 |
| Book / Page | 3177 / 322 |
| Map Reference | MB F PG 262 |
| Instrument Date | Jun 24, 2022 |
| Instrument | 654393 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,059.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10986 W OCEAN AIR DR APT 175, 10986, SAN DIEGO, CA 92130-4630 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Mar 23, 2017 |
| Property Address | 306 CROSSCUT DR, DENVER, NC 28037-9201 |
| Document Number | 2654279 |
| Book / Page | 002654 / 000279 |
| Instrument Date | Mar 23, 2017 |
| Instrument | 560471 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $632.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 306 CROSSCUT DR DENVER NC 280379201, DENVER, NC 28037-9201 |
| Document Number | 2654281 |
|---|---|
| Date | Mar 23, 2017 |
| Book Page | 002654/000281 |
| Instrument | 560472 |
| Name | PEOPLES BK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2047 |
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 | $2,967.00 | $468,164 (-) Land $60,000 Building $408,164 | $468,164 (-) Land $60,000 Building $408,164 |
| 2025 | $2,967.00 (+1.09%) | $468,164 (-) Land $60,000 Building $408,164 | $468,164 (-) Land $60,000 Building $408,164 |
| 2023 | $2,935.00 | $468,164 Land $60,000 Building $408,164 | $468,164 Land $60,000 Building $408,164 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures