3963 Harmattan Dr, Denver, NC 28037 Property Records

Lincoln County property record for 3963 Harmattan Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,696 sqft · built 2016
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$403,500 (Feb 2020)
Tax Bill	$3,893 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4605-61-0207`

Property Details

APN / Parcel Number

Primary APN	`4605-61-0207`
Alternative APNs	`277124` `85164`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	3,696 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	277124
Street Address	3963 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	#69 LT EASTWIND COVE PH2
Legal Subdivision	EASTWIND COVE
Legal Lot Number	69
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3015
Census Tract	71203

Owner

Source: Lincoln County records, as of August 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3963 HARMATTAN DR, DENVER, NC 28037-5502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Feb 13, 2020	Warranty Deed, Transfer · Conventional with PMI SUMMIT FNDG
Jan 23, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2020 · Amount on Record
Deed Sale	Feb 13, 2020 · Amount on Record
Prior Sale	Sep 6, 2016 · Amount on Record
Deed Document Number	2020604424
Deed Book / Page	2882 / 364
Prior Transfer Date	Sep 21, 2016
Prior Transfer Doc	26420228
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3963 HARMATTAN DR, DENVER, NC 28037-5502
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000326450
Date	Jul 17, 2023
Book Page	3264/50
Instrument	669642

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 13, 2020
Property Address	3963 HARMATTAN DR, DENVER, NC 28037-5502
Document Number	2882364
Book / Page	002882 / 000364
Instrument Date	Feb 12, 2020
Instrument	604424
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$807.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3963 HARMATTAN DR DENVER NC 280375502, DENVER, NC 28037-5502

Mortgage

Document Number	2882367
Date	Feb 13, 2020
Book Page	002882/000367
Instrument	604425

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2050

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN NC
Recording Date	Jan 23, 2017
Property Address	3963 HARMATTAN DR, DENVER, NC 28037-5502
Document Number	2642228
Book / Page	002642 / 000228
Instrument Date	Sep 21, 2016
Instrument	557917
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3963 HARMATTAN DR DENVER NC 280375502, DENVER, NC 28037-5502

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	$3,893.00 (+0.62%)	$616,401 (-) Land $77,000 Building $539,401	$616,401 (-) Land $77,000 Building $539,401
2025	$3,869.00 (+0.86%)	$616,401 (-) Land $77,000 Building $539,401	$616,401 (-) Land $77,000 Building $539,401
2023	$3,836.00	$616,401 Land $77,000 Building $539,401	$616,401 Land $77,000 Building $539,401

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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