3477 Delaware Dr, Denver, NC 28037 Property Records

Lincoln County property record for 3477 Delaware Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,546 sqft · built 2017
Lot Size	0.358 acres (15,594 sqft)
Owner	2 Individual Names on Record
Last Sale	$364,500 (Jun 2020)
Tax Bill	$3,315 (2026)
Deeds & Mortgages	Feb 2026 Second Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4604-99-4433`

Property Details

APN / Parcel Number

Primary APN	`4604-99-4433`
Alternative APNs	`278505` `92246`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,546 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Custom Design
Lot Area	15,594 sqft (0.358 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	278505
Street Address	3477 DELAWARE DR
City	DENVER
State	NC
Zip	28037-7866
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R CU
Legal Description	#197COVINGTON@LAKE NORMAN
Legal Subdivision	COVINGTON LK NORMAN
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2005
Census Tract	71203

Owner

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	3477 DELAWARE DR, DENVER, NC 28037-7866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Nov 1, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 3, 2020	Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Oct 8, 2019	Deed of Trust, Mortgage · Conventional with PMI LOCAL GOV'T EMPS FCU
Jun 16, 2017	Warranty Deed, Subdivision Related Transfer LOCAL GOV'T EMPS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Prior Sale	Jun 16, 2017 · Amount on Record
Deed Document Number	2020609785
Deed Book / Page	2914 / 379
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3477 DELAWARE DR, DENVER, NC 28037-7866
Transaction Type	Mortgage
Record Updated	Feb 23, 2026
Title Company	UNKNOWN, PAROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 WOODWARD AVE, DETROIT, MI 48226-3573

Mortgage

Document Number	0003476537
Date	Feb 11, 2026
Book Page	3476/537
Instrument	705283

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3477 DELAWARE DR, DENVER, NC 28037-7866
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3102686
Date	Nov 1, 2021
Book Page	3102/686
Instrument	641839

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 3, 2020
Property Address	3477 DELAWARE DR, DENVER, NC 28037-7866
Document Number	2914379
Book / Page	002914 / 000379
Instrument Date	Jun 3, 2020
Instrument	609785
Transaction Type	Transfer
Record Updated	Jul 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$729.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3477 DELAWARE DR DENVER NC 280377866, DENVER, NC 28037-7866

Mortgage

Document Number	2914381
Date	Jun 3, 2020
Book Page	002914/000381
Instrument	609786

Lender

Name	MORTGAGE RESEARCH CTR
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3477 DELAWARE DR, DENVER, NC 28037-7866
Document Number	2853417
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3477 DELAWARE DR DENVER NC 280377866, DENVER, NC 28037-7866

Mortgage

Document Number	2853417
Date	Oct 14, 2019
Book Page	002853/000417
Instrument	599098

Lender

Name	LOCAL GOV'T EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 16, 2017
Property Address	3477 DELAWARE DR, DENVER, NC 28037-7866
Document Number	2672862
Book / Page	002672 / 000862
Instrument Date	Jun 16, 2017
Instrument	564191
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3477 DELAWARE DR DENVER NC 28037, DENVER, NC 28037

Mortgage

Document Number	2672864
Date	Jun 16, 2017
Book Page	002672/000864
Instrument	564192

Lender

Name	LOCAL GOV'T EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Lincoln County
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,315.00 (+1.56%)	$521,529 (-) Land $82,000 Building $439,529	$521,529 (-) Land $82,000 Building $439,529
2023	$3,264.00	$521,529 Land $82,000 Building $439,529	$521,529 Land $82,000 Building $439,529

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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