3981 Spinnaker Pl, Denver, NC 28037 Property Records

Lincoln County property record for 3981 Spinnaker Pl, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,090 sqft · built 2015
Lot Size	0.485 acres (21,127 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Dec 2025)
Tax Bill	$4,795 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4605-91-6380`

Property Details

APN / Parcel Number

Primary APN	`4605-91-6380`
Alternative APNs	`314749` `285365` `85624`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,090 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Custom Design
Lot Area	21,127 sqft (0.485 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	840 sqft
Pool House	1 sqft
Porch	Slab
Porch Area	384 sqft
Deck Area	Deck Area
Bath House	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	314749
Street Address	3981 SPINNAKER PL
City	DENVER
State	NC
Zip	28037-7713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R CU
Legal Description	#79 LT NORMAN POINTE
Legal Subdivision	NORMAN POINTE
Legal Lot Number	79
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3003
Census Tract	71203

Owner

3981 Spinnaker Pl is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3981 SPINNAKER PL, DENVER, NC 28037-7713
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage ALL WSTRN MORTGAGE
Dec 15, 2025	Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2025 · Amount on File
Deed Sale	Dec 15, 2025 · Amount on File
Prior Sale	Jun 30, 2021 · Amount on File
Deed Document Number	2025703150
Deed Book / Page	3463 / 404
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	Apr 23, 2026
Property Address	3981 SPINNAKER PL, DENVER, NC 28037-7713
Document Number	0000708564
Book / Page	3497 / 68
Instrument Date	Apr 22, 2026
Instrument	2026708564
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8616 BURNING HIDE AVE, LAS VEGAS, NV 89143-5128

Mortgage

Document Number	0000708564,
Date	Apr 23, 2026
Book Page	3497/68
Instrument	2026708564

Lender

Name	ALL WSTRN MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Dec 15, 2025
Property Address	3981 SPINNAKER PL, DENVER, NC 28037-7713
Document Number	0003463404
Book / Page	3463 / 404
Map Reference	MB 14 PG 34-37
Instrument Date	Dec 12, 2025
Instrument	703150
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	HARBOR CITY TITLE INSURANCE AGENCY INC, HARBOR CITY TTL INS AGCY OF

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1160 S KINGS DR, CHARLOTTE, NC 28207-1806

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3981 SPINNAKER PL, DENVER, NC 28037-7713

Mortgage

Document Number	0000703151
Date	Dec 15, 2025
Instrument	703151

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 30, 2021
Property Address	3981 SPINNAKER PL, DENVER, NC 28037-7713
Document Number	0003057625
Book / Page	3057 / 625
Map Reference	MB 14 PG 34-37
Instrument Date	Jun 30, 2021
Instrument	634155
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	SOUTHERN HOMES TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	360 S GRAHAM ST APT 123, 360, CHARLOTTE, NC 28202-1314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3981 SPINNAKER PL, DENVER, NC 28037-7713

Mortgage

Document Number	0000634156
Date	Jun 30, 2021
Instrument	634156

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Mortgage

Document Number	0003057639
Date	Jun 30, 2021
Book Page	3057/639
Instrument	634157

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3981 SPINNAKER PL, DENVER, NC 28037-7713
Document Number	2665782
Book / Page	002665 / 000782
Instrument Date	May 11, 2017
Transaction Type	Mortgage
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3981 SPINNAKER PL DENVER NC 280377713, DENVER, NC 28037-7713

Mortgage

Document Number	2665782
Date	May 16, 2017
Book Page	002665/000782
Instrument	562815

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 15, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3981 Spinnaker Pl was $4,795, up 0.6% from the year before.

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	$4,795.00 (+0.63%)	$764,585 (-) Land $77,000 Building $687,585	$764,585 (-) Land $77,000 Building $687,585
2025	$4,765.00	$764,585 Land $77,000 Building $687,585	$764,585 Land $77,000 Building $687,585
2023	$4,730.00	$764,585 Land $77,000 Building $687,585	$764,585 Land $77,000 Building $687,585

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

Flood

FEMA maps place 3981 Spinnaker Pl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3981 Spinnaker Pl is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% 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.

Nearby Properties on Spinnaker Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures