Lincoln County property record for 3186 Delaware Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,595 sqft · built 2017 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $357,000 (Aug 2018) |
| Tax Bill | $3,400 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4604-89-3487 |
| Primary APN | 4604-89-3487 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,595 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Custom Design |
| Lot Area | 14,985 sqft (0.344 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 268948 |
|---|---|
| Street Address | 3186 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 | #144 COVINGTON@LAKENORMAN |
| Legal Subdivision | COVINGTON AT LAKE 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 | 3186 DELAWARE DR, DENVER, NC 28037-7709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 7, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 12, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 21, 2019 | Deed of Trust, Mortgage · VA Mortgage MOVEMENT MTG |
| Aug 8, 2018 | Grant Deed, Subdivision Related Transfer · VA Mortgage MOVEMENT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2018 · Amount on Record |
| Deed Sale | Aug 8, 2018 · Amount on Record |
| Deed Document Number | 2018581644 |
| Deed Book / Page | 2761 / 455 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3186 DELAWARE DR, DENVER, NC 28037-7709 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0003125104 |
|---|---|
| Date | Jan 7, 2022 |
| Book Page | 3125/104 |
| Instrument | 645555 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3186 DELAWARE DR, DENVER, NC 28037-7709 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 3029589 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 3029/589 |
| Instrument | 629125 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3186 DELAWARE DR, DENVER, NC 28037-7709 |
| Document Number | 2826542 |
| Instrument Date | Jun 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3186 DELAWARE DR DENVER NC 280377709, DENVER, NC 28037-7709 |
| Document Number | 2826542 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 002826/000542 |
| Instrument | 594268 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Aug 8, 2018 |
| Property Address | 3186 DELAWARE DR, DENVER, NC 28037-7709 |
| Document Number | 2761454 |
| Book / Page | 002761 / 000454 |
| Instrument Date | Aug 7, 2018 |
| Instrument | 581644 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $714.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3186 DELAWARE DR DENVER NC 28037, DENVER, NC 28037 |
| Document Number | 2761456 |
|---|---|
| Date | Aug 8, 2018 |
| Book Page | 002761/000456 |
| Instrument | 581645 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 7, 2048 |
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 | $3,400.00 (+1.55%) | $535,473 (-) Land $82,000 Building $453,473 | $535,473 (-) Land $82,000 Building $453,473 |
| 2023 | $3,348.00 | $535,473 Land $82,000 Building $453,473 | $535,473 Land $82,000 Building $453,473 |
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 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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