423 Flat Rock Dr, Denver, NC 28037 Property Records

Lincoln County property record for 423 Flat Rock Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,624 sqft · built 2016
Lot Size	0.158 acres (6,882 sqft)
Owner	Individual Name on Record
Last Sale	$466,500 (Feb 2017)
Tax Bill	$4,176 (2026)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3692-64-8843`

Property Details

APN / Parcel Number

Primary APN	`3692-64-8843`
Alternative APNs	`288586` `92625`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,624 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Lot Area	6,882 sqft (0.158 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	288586
Street Address	423 FLAT ROCK DR
City	DENVER
State	NC
Zip	28037-6103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R
Legal Description	#231 LT CAROLINA RIDGE
Legal Subdivision	CAROLINA RDG PRCL G H
Legal Lot Number	231
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3003
Census Tract	71102

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	423 FLAT ROCK DR, DENVER, NC 28037-6103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2017 · Amount on Record
Deed Sale	Feb 21, 2017 · Amount on Record
Deed Document Number	2017559101
Deed Book / Page	2647 / 637
Record Updated	Oct 29, 2026

February 2017: Reverse Mortgage, Subdivision Related Transfer

Document Type	Reverse Mortgage
Jurisdiction	LINCOLN NC
Recording Date	Feb 21, 2017
Property Address	423 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number	2647637
Book / Page	002647 / 000637
Instrument Date	Jan 16, 2017
Instrument	559101
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$933.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	423 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103

Mortgage

Document Number	2647639
Date	Feb 21, 2017
Book Page	002647/000639
Instrument	559102

Lender

Name	REVERSE MTG FNDG
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Feb 20, 2092

Interest

Rate Type	Fixed Rate

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	$4,176.00 (+0.89%)	$668,307 (-) Land $75,000 Building $593,307	$668,307 (-) Land $75,000 Building $593,307
2023	$4,139.00	$668,307 Land $75,000 Building $593,307	$668,307 Land $75,000 Building $593,307

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20