Lincoln County property record for 438 Bowline Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,571 sqft · built 2021 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $557,000 (Nov 2021) |
| Tax Bill | $4,193 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Apr 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-71-1426 |
| Primary APN | 3692-71-1426 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 2,571 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Custom Design |
| Lot Area | 6,011 sqft (0.138 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 288113 |
|---|---|
| Street Address | 438 BOWLINE DR |
| City | DENVER |
| State | NC |
| Zip | 28037-0558 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | #732 CAROLINA RIDGE |
| Legal Subdivision | CAROLINA RIDGE PARCEL D PHASE 4 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 71102 |
438 Bowline Dr is owned and occupied by two individuals who bought it in November 2021.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 BOWLINE DR, DENVER, NC 28037-0558 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 12, 2025 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Apr 4, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Nov 9, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage SHEA MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2021 · Amount on File |
| Deed Sale | Nov 9, 2021 · Amount on File |
| Deed Document Number | 2021642331 |
| Deed Book / Page | 3105 / 606 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 438 BOWLINE DR, DENVER, NC 28037-0558 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 438 BOWLINE DR, DENVER, NC 28037-0558 |
| Document Number | 0003438349 |
|---|---|
| Date | Sep 12, 2025 |
| Book Page | 3438/349 |
| Instrument | 699241 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 438 BOWLINE DR, DENVER, NC 28037-0558 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 438 BOWLINE DR, DENVER, NC 28037-0558 |
| Document Number | 0003239572 |
|---|---|
| Date | Apr 4, 2023 |
| Book Page | 3239/572 |
| Instrument | 665529 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Nov 9, 2021 |
| Property Address | 438 BOWLINE DR, DENVER, NC 28037-0558 |
| Document Number | 0003105606 |
| Book / Page | 3105 / 606 |
| Map Reference | MB 18 PG 158-164 |
| Instrument Date | Nov 9, 2021 |
| Instrument | 642331 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,114.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 655 BREA CANYON RD, 655, WALNUT, CA 91789-3078 |
| Name | Verified Name |
|---|---|
| Address | 438 BOWLINE DR, DENVER, NC 28037-0558 |
| Document Number | 0000642332 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | 642332 |
| Name | SHEA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
The 2026 property tax bill for 438 Bowline Dr was $4,193.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,193.00 | $671,107 (-) Land $75,000 Building $596,107 | $671,107 (-) Land $75,000 Building $596,107 |
| 2025 | $4,193.00 | $671,107 Land $75,000 Building $596,107 | $671,107 Land $75,000 Building $596,107 |
| 2023 | $4,156.00 | $671,107 Land $75,000 Building $596,107 | $671,107 Land $75,000 Building $596,107 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Bowline Dr in Zone X, an area of minimal flood risk.
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 File 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 risk around 438 Bowline Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 373 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures