4295 Palm Dr, Denver, NC 28037 Property Records

Lincoln County property record for 4295 Palm Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,415 sqft · built 2022
Lot Size	1.13 acres (49,353 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,500 (Feb 2023)
Tax Bill	$4,791 (2026)
Deeds & Mortgages	May 2026 Mortgage Nov 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4605-37-4480`

Property Details

APN / Parcel Number

Primary APN	`4605-37-4480`
Alternative APNs	`295869` `258857` `86858`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,415 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Custom Design
Lot Area	49,353 sqft (1.13 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	295869
Street Address	4295 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	#24 LT HARBOR OAKS PH2
Legal Subdivision	HARBOR OAKS
Legal Lot Number	24
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 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	4295 PALM DR, DENVER, NC 28037-3800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 7, 2023	Deed of Trust, Mortgage · VA Mortgage LOANUNITED.COM LLC
Feb 28, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Mar 24, 2022	Warranty Deed, Transfer
Jul 26, 2018	Grant Deed, Transfer ATTORNEY ONLY
Feb 16, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on Record
Deed Sale	Feb 28, 2023 · Amount on Record
Prior Sale	Jul 26, 2018 · Amount on Record
Deed Document Number	2023664094
Deed Book / Page	3232 / 71
Prior Transfer Date	Jul 24, 2018
Prior Transfer Doc	0027580423
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	May 5, 2026
Property Address	4295 PALM DR, DENVER, NC 28037-3800
Document Number	0000709125
Book / Page	3500 / 574
Instrument Date	May 1, 2026
Instrument	2026709125
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4295 PALM DR, DENVER, NC 28037-3800

Mortgage

Document Number	0000709125,
Date	May 5, 2026
Book Page	3500/574
Instrument	2026709125

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4295 PALM DR, DENVER, NC 28037-3800
Transaction Type	Mortgage
Record Updated	Dec 8, 2023
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003287852
Date	Nov 7, 2023
Book Page	3287/852
Instrument	673905

Lender

Name	LOANUNITED.COM LLC
Type	Mortgage Company
Address	NORCROSS, GA 30071

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

February 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 28, 2023
Property Address	4295 PALM DR, DENVER, NC 28037-3800
Document Number	0000323271
Book / Page	3232 / 71
Map Reference	MB 14 PG 196
Instrument Date	Feb 2, 2023
Instrument	664094
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,331.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	236 CAYUGA DRNA, MOORESVILLE, NC 28117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4295 PALM DR, DENVER, NC 28037-3800

Mortgage

Document Number	0000664095
Date	Feb 28, 2023
Instrument	664095

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Mar 24, 2022
Property Address	4295 PALM DR, DENVER, NC 28037-3800
Document Number	0003149329
Book / Page	3149 / 329
Map Reference	MB 14 PG 196
Instrument Date	Mar 21, 2022
Instrument	649571
Transaction Type	Transfer
Record Updated	Nov 20, 2023

Transaction

Amount	Amount Recorded
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

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

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 26, 2018
Property Address	4295 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

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 16, 2018
Property Address	4295 PALM DR, DENVER, NC 28037-3800
Document Number	2723655
Book / Page	002723 / 000655
Instrument Date	Feb 15, 2018
Instrument	574206
Transaction Type	Transfer
Record Updated	Feb 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
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

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	$4,791.00 (+0.63%)	$763,860 (-) Land $93,192 Building $670,668	$763,860 (-) Land $93,192 Building $670,668
2025	$4,761.00 (+76.07%)	$763,860 (+78.25%) Land $93,192 Building $670,668	$763,860 (+78.25%) Land $93,192 Building $670,668
2023	$2,704.00	$428,526 Land $93,192 Building $335,334	$428,526 Land $93,192 Building $335,334

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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