4181 Palm Dr, Denver, NC 28037 Property Records

Lincoln County property record for 4181 Palm Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,525 sqft · built 2020
Lot Size	2.96 acres (129,286 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Oct 2020)
Tax Bill	$4,774 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4605-36-1354`

Property Details

APN / Parcel Number

Primary APN	`4605-36-1354`
Alternative APNs	`280706` `86791`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,525 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Lot Area	129,286 sqft (2.96 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	280706
Street Address	4181 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	#40 LT REV HARBOR OAKS P2
Legal Subdivision	HARBOR OAKS
Legal Lot Number	40
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1011
Census Tract	71203

Owner

Source: Lincoln County records, as of September 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4181 PALM DR, DENVER, NC 28037-3801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2023	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Oct 15, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Jun 8, 2020	Warranty Deed, Construction Loan · Commercial Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2020 · Amount on Record
Deed Sale	Oct 15, 2020 · Amount on Record
Prior Sale	Jun 8, 2020 · Amount on Record
Deed Document Number	2020617943
Deed Book / Page	2962 / 760
Prior Transfer Date	Oct 31, 2017
Prior Transfer Doc	0027050847
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4181 PALM DR, DENVER, NC 28037-3801
Transaction Type	Mortgage
Record Updated	Oct 26, 2023
Title Company	NOT AVAILABLE, BNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4181 PALM DR, DENVER, NC 28037-3801

Mortgage

Document Number	0003281622
Date	Oct 9, 2023
Book Page	3281/622
Instrument	672785

Lender

Name	PEOPLES BANK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Sep 29, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 15, 2020
Property Address	4181 PALM DR, DENVER, NC 28037-3801
Document Number	0002962760
Book / Page	2962 / 760
Map Reference	MB 14 PG 314
Instrument Date	Oct 14, 2020
Instrument	617943
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,110.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2649 BREKONRIDGE CENTRE DR, 2649, MONROE, NC 28110-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4181 PALM DR, DENVER, NC 28037-3801

Mortgage

Document Number	0000617944
Date	Oct 15, 2020
Instrument	617944

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

June 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 8, 2020
Property Address	4181 PALM DR, DENVER, NC 28037-3801
Document Number	0002915987
Book / Page	2915 / 987
Map Reference	MB 14 PG 314
Instrument Date	Jun 2, 2020
Instrument	610069
Transaction Type	Construction Loan
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Tax	$187.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2642 BREKONRIDGE CENTRE DR, 2642, MONROE, NC 28110-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2649 BREKONRIDGE CENTRE DR, MONROE, NC 28110-5629
Investor	Possibly a Property Investor

Mortgage

Document Number	0000610070
Date	Jun 8, 2020
Instrument	610070

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$4,774.00 (+0.63%)	$761,081 (-) Land $132,508 Building $628,573	$761,081 (-) Land $132,508 Building $628,573
2025	$4,744.00 (+0.74%)	$761,081 (-) Land $132,508 Building $628,573	$761,081 (-) Land $132,508 Building $628,573
2023	$4,709.00	$761,081 Land $132,508 Building $628,573	$761,081 Land $132,508 Building $628,573

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	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

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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