3898 Harmattan Dr, Denver, NC 28037 Property Records

Lincoln County property record for 3898 Harmattan Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,560 sqft · built 2012
Lot Size	0.483 acres (21,083 sqft)
Owner	2 Owner Names on File
Last Sale	$224,000 (Mar 2012)
Tax Bill	$2,875 (2023)
Deeds & Mortgages	Dec 2025 Second Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4605-61-6116`

Property Details

APN / Parcel Number

Primary APN	`4605-61-6116`
Alternative APNs	`233335` `85156`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,560 sqft Finished Area

Exterior

Year Built	Built 2012
Architectural Style	Custom Design
Lot Area	21,083 sqft (0.483 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	233335
Street Address	3898 HARMATTAN DR
City	DENVER
State	NC
Zip	28037-5525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R CU
Legal Description	#54 LT EASTWIND COVE PH2
Legal Subdivision	EASTWIND COVE PH 02
Legal Block	61
Legal Lot Number	54
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3017
Census Tract	71203

Owner

Source: Lincoln County assessment roll, as of January 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	3898 HARMATTAN DR, DENVER, NC 28037-5525
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jul 26, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Feb 14, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jul 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 15, 2012 · Amount on Record
Deed Sale	Mar 15, 2012 · Amount on Record
Prior Sale	Dec 19, 2011 · Amount on Record
Deed Document Number	0002302140
Deed Book / Page	2302 / 140
Record Updated	Jun 7, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3898 HARMATTAN DR, DENVER, NC 28037-5525
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003464328
Date	Dec 18, 2025
Book Page	3464/328
Instrument	703317

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3898 HARMATTAN DR, DENVER, NC 28037-5525
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003065737
Date	Jul 26, 2021
Book Page	3065/737
Instrument	635622

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3898 HARMATTAN DR, DENVER, NC 28037-5525
Document Number	2884213
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3898 HARMATTAN DR DENVER NC 280375525, DENVER, NC 28037-5525

Mortgage

Document Number	2884213
Date	Feb 21, 2020
Book Page	002884/000213
Instrument	604756

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3898 HARMATTAN DR, DENVER, NC 28037-5525
Document Number	2755960
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Jul 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3898 HARMATTAN DR DENVER NC 280375525, DENVER, NC 28037-5525

Mortgage

Document Number	2755960
Date	Jul 13, 2018
Book Page	002755/000960
Instrument	580522

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2048

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of January 1, 2023

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
2023	$2,875.00	$457,009 Land $77,000 Building $380,009	$457,009 Land $77,000 Building $380,009

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	3 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 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 USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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