4180 Palm Dr, Denver, NC 28037 Property Records

Lincoln County property record for 4180 Palm Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,729 sqft · built 2018
Lot Size	1.38 acres (60,200 sqft)
Owner	2 Individual Names on File
Last Sale	$660,000 (Sep 2021)
Tax Bill	$4,096 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4605-36-5451`

Property Details

APN / Parcel Number

Primary APN	`4605-36-5451`
Alternative APNs	`286742` `86793`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,729 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Custom Design
Lot Area	60,200 sqft (1.38 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	286742
Street Address	4180 PALM DR
City	DENVER
State	NC
Zip	28037-3801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R CU
Legal Description	#1 LT HARBOR OAKS PH2
Legal Subdivision	HARBOR OAKS
Legal Lot Number	1
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1012
Census Tract	71203

Owner

4180 Palm Dr is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4180 PALM DR, DENVER, NC 28037-3801
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
Sep 16, 2021	Warranty Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP
Mar 31, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Dec 11, 2018	Warranty Deed, Subdivision Related Transfer · Conventional with PMI EXECUTIVE HM LNDG LLC
Dec 11, 2018	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU
Jul 20, 2017	Warranty Deed, Construction Loan · Line of Credit FARMERS & MERCHANTS NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2021 · Amount on File
Deed Sale	Sep 16, 2021 · Amount on File
Prior Sale	Dec 11, 2018 · Amount on File
Deed Document Number	2021638834
Deed Book / Page	3084 / 927
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Sep 16, 2021
Property Address	4180 PALM DR, DENVER, NC 28037-3801
Document Number	3084927
Book / Page	3084 / 927
Map Reference	MB 14 PG 193
Instrument Date	Sep 16, 2021
Instrument	638834
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	FORTIFIED TITLE, FORTIFIED TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 ROBINSON AVE, 328, MATTHEWS, NC 28104-7338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4180 PALM DR, DENVER, NC 28037-3801

Mortgage

Document Number	638835
Date	Sep 16, 2021
Instrument	638835

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4180 PALM DR, DENVER, NC 28037-3801
Document Number	2898879
Instrument Date	Mar 31, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4180 PALM DR DENVER NC 280373801, DENVER, NC 28037-3801

Mortgage

Document Number	2898879
Date	Apr 15, 2020
Book Page	002898/000879
Instrument	607285

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Apr 14, 2040

December 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Dec 11, 2018
Property Address	4180 PALM DR, DENVER, NC 28037-3801
Document Number	2786492
Book / Page	002786 / 000492
Instrument Date	Dec 11, 2018
Instrument	586564
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4180 PALM DR DENVER NC 28037, DENVER, NC 28037

Mortgage

Document Number	2786494
Date	Dec 11, 2018
Book Page	002786/000494
Instrument	586565

Lender

Name	EXECUTIVE HM LNDG LLC
Address	CHARLOTTE, NC 28277

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2048

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4180 PALM DR, DENVER, NC 28037-3801
Document Number	2786512
Instrument Date	Dec 11, 2018
Transaction Type	Mortgage
Record Updated	Dec 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4180 PALM DR DENVER NC 28037, DENVER, NC 28037

Mortgage

Document Number	2786512
Date	Dec 11, 2018
Book Page	002786/000512
Instrument	586566

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114-6043

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2048

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 20, 2017
Property Address	4180 PALM DR, DENVER, NC 28037-3801
Document Number	2679404
Book / Page	002679 / 000404
Instrument Date	Jul 19, 2017
Instrument	565463
Transaction Type	Construction Loan
Record Updated	Aug 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	614 N MAIN ST SALISBURY NC 281443674, SALISBURY, NC 28144-3674

Mortgage

Document Number	2679406
Date	Jul 20, 2017
Book Page	002679/000406
Instrument	565464

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4180 Palm Dr was $4,096.

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	$4,096.00	$649,812 Land $99,168 Building $550,644	$649,812 Land $99,168 Building $550,644
2023	$4,038.00	$649,812 Land $99,168 Building $550,644	$649,812 Land $99,168 Building $550,644

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

Flood

FEMA maps place 4180 Palm Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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	4 in force
Nearby Flood Claims	2 (2008–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2020 · rainfall accumulation

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 4180 Palm Dr 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	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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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