Lincoln County property record for 3997 Spinnaker Pl, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,256 sqft · built 2015 |
| Lot Size | 0.583 acres (25,395 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $318,500 (Oct 2015) |
| Tax Bill | $4,110 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4605-91-6439 |
| Primary APN | 4605-91-6439 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,256 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Custom Design |
| Lot Area | 25,395 sqft (0.583 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 256367 |
|---|---|
| Street Address | 3997 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 | #77 LT NORMAN POINTE |
| Legal Subdivision | NORMAN POINTE |
| Legal Lot Number | 77 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 71203 |
3997 Spinnaker Pl is owned and occupied by two individuals who bought it in October 2015.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3997 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.
| Date | Document |
|---|---|
| Oct 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PILGRIM MORTGAGE LLC |
| Aug 25, 2017 | Deed of Trust, Mortgage · Conventional with PMI ACCESS NAT'L MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2015 · Amount on File |
| Deed Sale | Oct 2, 2015 · Amount on File |
| Prior Sale | Jun 12, 2015 · Amount on File |
| Deed Document Number | 2015538961 |
| Deed Book / Page | 2546 / 923 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3997 SPINNAKER PL, DENVER, NC 28037-7713 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2962488 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 2962/488 |
| Instrument | 617895 |
| Name | PILGRIM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN ANTONIO, TX 78232 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3997 SPINNAKER PL, DENVER, NC 28037-7713 |
| Document Number | 2689346 |
| Instrument Date | Aug 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3997 SPINNAKER PL DENVER NC 280377713, DENVER, NC 28037-7713 |
| Document Number | 2689346 |
|---|---|
| Date | Aug 30, 2017 |
| Book Page | 002689/000346 |
| Instrument | 567370 |
| Name | ACCESS NAT'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | RESTON, VA 20191 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 29, 2047 |
The 2026 property tax bill for 3997 Spinnaker Pl was $4,110.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,110.00 | $652,030 Land $77,000 Building $575,030 | $652,030 Land $77,000 Building $575,030 |
| 2023 | $4,051.00 | $652,030 Land $77,000 Building $575,030 | $652,030 Land $77,000 Building $575,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3997 Spinnaker Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 3997 Spinnaker Pl is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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