Lincoln County property record for 3157 Delaware Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,752 sqft · built 2015 |
| Lot Size | 0.356 acres (15,507 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $425,000 (May 2026) |
| Tax Bill | $2,508 (2026) |
| Deeds & Mortgages | Mar 2022 Line of Credit May 2022 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4604-89-3806 |
| Primary APN | 4604-89-3806 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,752 sqft Living Area |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Custom Design |
| Lot Area | 15,507 sqft (0.356 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 316795 |
|---|---|
| Street Address | 3157 DELAWARE DR |
| City | DENVER |
| State | NC |
| Zip | 28037-7709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R CU |
| Legal Description | #255 COVINGTON@LAKENORMAN |
| Legal Subdivision | COVINGTON LK NORMAN |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3157 DELAWARE DR, DENVER, NC 28037-7709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 7, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| May 10, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| May 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Feb 12, 2024 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Sep 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CAPTIAL CENTER LLC |
| Jul 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BK |
| Feb 1, 2019 | Warranty Deed, Transfer · Conventional with PMI USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2026 · Amount on Record |
| Deed Sale | May 4, 2026 · Amount on Record |
| Prior Sale | Feb 12, 2024 · Amount on Record |
| Deed Document Number | 2026709111 |
| Deed Book / Page | 3500 / 439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3157 DELAWARE DR, DENVER, NC 28037-7709 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0003143106 |
|---|---|
| Date | Mar 7, 2022 |
| Book Page | 3143/106 |
| Instrument | 648574 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Dec 28, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3157 DELAWARE DR, DENVER, NC 28037-7709 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0003163633 |
|---|---|
| Date | May 10, 2022 |
| Book Page | 3163/633 |
| Instrument | 651996 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 29, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 4, 2026 |
| Property Address | 3157 DELAWARE DR, DENVER, NC 28037-7709 |
| Document Number | 0000709111 |
| Book / Page | 3500 / 439 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026.709111 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2026 |
| Title Company | ACCURATE LAND TITLE LLC, ACCLAIMED TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85,850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3157 DELAWARE DR, DENVER, NC 28037-7709 |
| Document Number | 0000709112, |
|---|---|
| Date | May 4, 2026 |
| Book Page | 3500/442 |
| Instrument | 2026.709112 |
| Name | MOVEMENT MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Feb 12, 2024 |
| Property Address | 3157 DELAWARE DR, DENVER, NC 28037-7709 |
| Document Number | 0003304519 |
| Book / Page | 3304 / 519 |
| Map Reference | MB 16 PG 67 |
| Instrument Date | Feb 12, 2024 |
| Instrument | 676938 |
| Transaction Type | Transfer |
| Record Updated | Feb 29, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $845.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1004 CRAVEN ST, INDIAN TRAIL, NC 28079-3751 |
| Name | Verified Name |
|---|---|
| Address | 3157 DELAWARE DR, DENVER, NC 28037-7709 |
| Document Number | 0000676939 |
|---|---|
| Date | Feb 12, 2024 |
| Instrument | 676939 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3157 DELAWARE DR, DENVER, NC 28037-7709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2949307 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 2949/307 |
| Instrument | 615648 |
| Name | CAPTIAL CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | GLEN ALLEN, VA 23060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3157 DELAWARE DR, DENVER, NC 28037-7709 |
| Document Number | 283675 |
| Instrument Date | Jul 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3157 DELAWARE DR DENVER NC 280377709, DENVER, NC 28037-7709 |
| Document Number | 283675 |
|---|---|
| Date | Aug 5, 2019 |
| Book Page | 002836/000075 |
| Instrument | 595989 |
| Name | PEOPLES BK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 4, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Feb 1, 2019 |
| Property Address | 3157 DELAWARE DR, DENVER, NC 28037-7709 |
| Document Number | 2795349 |
| Book / Page | 002795 / 000349 |
| Instrument Date | Feb 1, 2019 |
| Instrument | 588339 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $517.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3157 DELAWARE DR DENVER NC 280377709, DENVER, NC 28037-7709 |
| Document Number | 2795351 |
|---|---|
| Date | Feb 1, 2019 |
| Book Page | 002795/000351 |
| Instrument | 588340 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 31, 2049 |
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 | $2,508.00 (+0.6%) | $388,998 (-) Land $82,000 Building $306,998 | $388,998 (-) Land $82,000 Building $306,998 |
| 2025 | $2,493.00 (+2.38%) | $388,998 (+1.29%) Land $82,000 Building $306,998 | $388,998 (+1.29%) Land $82,000 Building $306,998 |
| 2023 | $2,435.00 | $384,056 Land $82,000 Building $302,056 | $384,056 Land $82,000 Building $302,056 |
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 |
|---|---|
| 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 64% of the US · above 50% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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 166 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 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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