Lincoln County property record for 4354 Pine Harbor Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,695 sqft · built 1988 |
| Lot Size | 0.566 acres (24,655 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $981,000 (May 2021) |
| Tax Bill | $6,815 (2023) |
| Deeds & Mortgages | Jun 2022 Mortgage May 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4605-85-4071 |
| Primary APN | 4605-85-4071 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,695 sqft Finished Area |
| Gross Area | 1,853 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Architectural Style | Custom Design |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 24,655 sqft (0.566 acres) |
| Boat Access | Boat Access |
| Boat House | 572 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 284359 |
|---|---|
| Old Parcel Number | 460512854071 |
| Street Address | 4354 PINE HARBOR DR |
| City | DENVER |
| State | NC |
| Zip | 28037-8663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | PINE HARBOR #6 |
| Legal Subdivision | PINE HARBOR |
| Legal Block | 85 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 71203 |
Source: Lincoln County records, as of November 17, 2023
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4354 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 17, 2021 | Warranty Deed, Transfer |
| Apr 16, 2018 | Deed of Trust, Mortgage CARDINAL FIN'L |
| Nov 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2021 · Amount on Record |
| Deed Sale | May 17, 2021 · Amount on Record |
| Prior Sale | Aug 14, 2015 · Amount on Record |
| Deed Document Number | 0003042223 |
| Deed Book / Page | 3042 / 223 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4354 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0003171514 |
|---|---|
| Date | Jun 8, 2022 |
| Book Page | 3171/514 |
| Instrument | 653367 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | May 14, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 17, 2021 |
| Property Address | 4354 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Document Number | 3042223 |
| Book / Page | 3042 / 223 |
| Map Reference | MB 673 PG 83 |
| Instrument Date | May 12, 2021 |
| Instrument | 631427 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,962.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4354 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4354 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Document Number | 2737733 |
| Instrument Date | Apr 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4354 PINE HARBOR DR DENVER NC 280378663, DENVER, NC 28037-8663 |
| Document Number | 2737733 |
|---|---|
| Date | Apr 20, 2018 |
| Book Page | 002737/000733 |
| Instrument | 576912 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 19, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4354 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Document Number | 2707896 |
| Book / Page | 002707 / 000896 |
| Instrument Date | Nov 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4354 PINE HARBOR DR DENVER NC 280378663, DENVER, NC 28037-8663 |
| Document Number | 2707896 |
|---|---|
| Date | Nov 22, 2017 |
| Book Page | 002707/000896 |
| Instrument | 570988 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 21, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
Source: Lincoln County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $6,815.00 | $1,110,374 Land $473,732 Building $636,642 | $1,110,374 Land $473,732 Building $636,642 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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