4270 Palm Dr, Denver, NC 28037 Property Records

Lincoln County property record for 4270 Palm Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,839 sqft · built 2019
Lot Size	1.85 acres (80,673 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Jul 2020)
Tax Bill	$5,268 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Aug 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4605-37-8039`

Property Details

APN / Parcel Number

Primary APN	`4605-37-8039`
Alternative APNs	`279444` `86851`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,839 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Custom Design
Lot Area	80,673 sqft (1.85 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	279444
Street Address	4270 PALM DR
City	DENVER
State	NC
Zip	28037-3800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R CU
Legal Description	#17 LT HARBOR OAKS PH2
Legal Subdivision	HARBOR OAKS
Legal Lot Number	17
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1012
Census Tract	71203

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	2 Individual Names on Record
Mailing Address	4270 PALM DR, DENVER, NC 28037-3800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA
Aug 15, 2019	Warranty Deed, Construction Loan · Line of Credit BRANCH BK&TR
Jul 26, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on Record
Deed Sale	Jul 24, 2020 · Amount on Record
Prior Sale	Aug 15, 2019 · Amount on Record
Deed Document Number	2020612734
Deed Book / Page	2931 / 711
Prior Transfer Date	Jul 24, 2018
Prior Transfer Doc	0027580423
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 24, 2020
Property Address	4270 PALM DR, DENVER, NC 28037-3800
Document Number	0002931711
Book / Page	2931 / 711
Map Reference	MB 14 PG 196
Instrument Date	Jul 3, 2020
Instrument	612734
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	$1,180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3965, MOORESVILLE, NC 28117-3965

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4270 PALM DR, DENVER, NC 28037-3800

Mortgage

Document Number	0000612735
Date	Jul 24, 2020
Instrument	612735

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

August 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Aug 15, 2019
Property Address	4270 PALM DR, DENVER, NC 28037-3800
Document Number	2838646
Book / Page	002838 / 000646
Instrument Date	Aug 9, 2019
Instrument	596464
Transaction Type	Construction Loan
Record Updated	Aug 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$160.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 3965 MOORESVILLE NC 281173965, MOORESVILLE, NC 28117-3965
Investor	Possibly a Property Investor

Mortgage

Document Number	2838648
Date	Aug 15, 2019
Book Page	002838/000648
Instrument	596465

Lender

Name	BRANCH BK&TR
Type	Bank
Address	MOORESVILLE, NC 28117-9159

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 26, 2018
Property Address	4270 PALM DR, DENVER, NC 28037-3800
Document Number	2758423
Book / Page	002758 / 000423
Instrument Date	Jul 24, 2018
Instrument	581087
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,470.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 3965 MOORESVILLE NC 281173965, MOORESVILLE, NC 28117-3965

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	$5,268.00 (+0.63%)	$842,175 (-) Land $110,448 Building $731,727	$842,175 (-) Land $110,448 Building $731,727
2025	$5,235.00 (+0.71%)	$842,175 (-) Land $110,448 Building $731,727	$842,175 (-) Land $110,448 Building $731,727
2023	$5,198.00	$842,175 Land $110,448 Building $731,727	$842,175 Land $110,448 Building $731,727

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

Nearby Properties on Palm Dr

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