3489 Delaware Dr, Denver, NC 28037 Property Records

Lincoln County property record for 3489 Delaware Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,330 sqft · built 2017
Lot Size	0.358 acres (15,594 sqft)
Owner	2 Individual Names on Record
Last Sale	$363,000 (Apr 2017)
Tax Bill	$4,033 (2026)
Deeds & Mortgages	May 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4604-99-5475`

Property Details

APN / Parcel Number

Primary APN	`4604-99-5475`
Alternative APNs	`262354` `92248`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,330 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	262354
Street Address	3489 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	#199COVINGTON@LAKE NORMAN
Legal Subdivision	COVINGTON LAKE 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	3489 DELAWARE DR, DENVER, NC 28037-7866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 17, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TOWNEBANK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2017 · Amount on Record
Deed Sale	Apr 17, 2017 · Amount on Record
Prior Sale	Oct 19, 2016 · Amount on Record
Deed Document Number	2017561534
Deed Book / Page	2659 / 548
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3489 DELAWARE DR, DENVER, NC 28037-7866
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002910336
Date	May 20, 2020
Book Page	2910/336
Instrument	609116

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

April 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Apr 17, 2017
Property Address	3489 DELAWARE DR, DENVER, NC 28037-7866
Document Number	2659548
Book / Page	002659 / 000548
Instrument Date	Apr 17, 2017
Instrument	561534
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3489 DELAWARE DR DENVER NC 28037, DENVER, NC 28037

Mortgage

Document Number	2659550
Date	Apr 17, 2017
Book Page	002659/000550
Instrument	561535

Lender

Name	TOWNEBANK MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2047

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	$4,033.00 (+10.89%)	$639,448 (+9.63%) Land $82,000 Building $557,448	$639,448 (+9.63%) Land $82,000 Building $557,448
2023	$3,637.00	$583,269 Land $82,000 Building $501,269	$583,269 Land $82,000 Building $501,269

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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