3936 Harmattan Dr, Denver, NC 28037 Property Records

Lincoln County property record for 3936 Harmattan Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,945 sqft · built 2006
Lot Size	0.482 acres (20,996 sqft)
Owner	Individual Name on Record
Last Sale	$404,000 (Jun 2007)
Tax Bill	$3,142 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4605-61-3259`

Property Details

APN / Parcel Number

Primary APN	`4605-61-3259`
Alternative APNs	`159801` `85153`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,945 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Custom Design
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	20,996 sqft (0.482 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	159801
Street Address	3936 HARMATTAN DR
City	DENVER
State	NC
Zip	28037-5502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R CU
Legal Description	#57 LT EASTWIND COVE PH2
Legal Subdivision	EASTWIND COVE
Legal Lot Number	57
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3017
Census Tract	71203

Owner

Source: Lincoln County records, as of July 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3936 HARMATTAN DR, DENVER, NC 28037-5502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · VA Mortgage ACTS LENDING INC
Jan 31, 2023	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 5, 2021	Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC
May 29, 2020	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS
Sep 30, 2019	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS
Feb 12, 2018	Deed of Trust, Mortgage · VA Mortgage UNITED SEC FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2007 · Amount on Record
Deed Sale	Jun 22, 2007 · Amount on Record
Prior Sale	Nov 14, 2006 · Amount on Record
Deed Document Number	200710187
Deed Book / Page	1940 / 403
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	Jul 1, 2026
Property Address	3936 HARMATTAN DR, DENVER, NC 28037-5502
Document Number	0000711765
Book / Page	3517 / 156
Instrument Date	Jun 26, 2026
Instrument	2026711765
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3936 HARMATTAN DR, DENVER, NC 28037-5502

Mortgage

Document Number	0000711765,
Date	Jul 1, 2026
Book Page	3517/156
Instrument	2026711765

Lender

Name	ACTS LENDING INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3936 HARMATTAN DR, DENVER, NC 28037-5502
Transaction Type	Mortgage
Record Updated	Feb 9, 2023
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003226347
Date	Jan 31, 2023
Book Page	3226/347
Instrument	663047

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3936 HARMATTAN DR, DENVER, NC 28037-5502
Transaction Type	Mortgage
Record Updated	Apr 15, 2021
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3027269
Date	Apr 5, 2021
Book Page	3027/269
Instrument	628701

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3936 HARMATTAN DR, DENVER, NC 28037-5502
Document Number	2914330
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE & CLOSING S

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3936 HARMATTAN DR DENVER NC 280375502, DENVER, NC 28037-5502

Mortgage

Document Number	2914330
Date	Jun 3, 2020
Book Page	002914/000330
Instrument	609772

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3936 HARMATTAN DR, DENVER, NC 28037-5502
Document Number	2851332
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE & CLOSING S

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3936 HARMATTAN DR DENVER NC 280375502, DENVER, NC 28037-5502

Mortgage

Document Number	2851332
Date	Oct 4, 2019
Book Page	002851/000332
Instrument	598723

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3936 HARMATTAN DR, DENVER, NC 28037-5502
Document Number	2723735
Instrument Date	Feb 12, 2018
Transaction Type	Mortgage
Record Updated	Feb 26, 2018
Title Company	SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3936 HARMATTAN DR DENVER NC 280375502, DENVER, NC 28037-5502

Mortgage

Document Number	2723735
Date	Feb 16, 2018
Book Page	002723/000735
Instrument	574222

Lender

Name	UNITED SEC FIN'L
Type	Funding / Finance Company
Address	MURRAY, UT 84121

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 12, 2025

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
2025	$3,142.00 (-7.15%)	$541,350 (-) Land $77,000 Building $464,350	$541,350 (-) Land $77,000 Building $464,350
2023	$3,384.00	$541,350 Land $77,000 Building $464,350	$541,350 Land $77,000 Building $464,350

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	0.02% annual chance
Exposure	None beyond ember reach

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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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