Lincoln County property record for 4384 Pine Harbor Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,501 sqft · built 2011 |
| Lot Size | 0.842 acres (36,678 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $760,000 (Nov 2020) |
| Tax Bill | $6,798 (2026) |
| Deeds & Mortgages | Mar 2023 Line of Credit Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4605-85-5334 |
| Primary APN | 4605-85-5334 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,501 sqft Living Area |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Custom Design |
| Lot Area | 36,678 sqft (0.842 acres) |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 448 sqft |
| Loading Dock | 816 sqft |
| Storage Building | 240 sqft |
| Boat Access | Boat Access |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 281595 |
|---|---|
| Street Address | 4384 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 | #2 PINE HARBOR |
| Legal Subdivision | PINE HARBOR |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 71203 |
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 | 4384 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Nov 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Mar 15, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2020 · Amount on Record |
| Deed Sale | Nov 10, 2020 · Amount on Record |
| Prior Sale | Jul 21, 2000 · Amount on Record |
| Deed Document Number | 2020619573 |
| Deed Book / Page | 2972 / 772 |
| Prior Transfer Date | Feb 19, 2018 |
| Prior Transfer Doc | 27290421 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4384 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0003233194 |
|---|---|
| Date | Mar 3, 2023 |
| Book Page | 3233/194 |
| Instrument | 664305 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | DENVER, NC 28037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Nov 10, 2020 |
| Property Address | 4384 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Document Number | 2972772 |
| Book / Page | 2972 / 772 |
| Map Reference | MB F PG 151 |
| Instrument Date | Nov 10, 2020 |
| Instrument | 619573 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4384 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Document Number | 619574 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 619574 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Mar 15, 2018 |
| Property Address | 4384 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Document Number | 2729421 |
| Book / Page | 002729 / 000421 |
| Instrument Date | Feb 19, 2018 |
| Instrument | 575305 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 207 OLD FRIENDSHIP RD CATAWBA SC 297047722, CATAWBA, SC 29704-7722 |
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 | $6,798.00 (+0.64%) | $1,093,533 (-) Land $501,884 Building $591,649 | $1,093,533 (-) Land $501,884 Building $591,649 |
| 2025 | $6,755.00 (+0.61%) | $1,093,533 (-) Land $501,884 Building $591,649 | $1,093,533 (-) Land $501,884 Building $591,649 |
| 2023 | $6,714.00 | $1,093,533 Land $501,884 Building $591,649 | $1,093,533 Land $501,884 Building $591,649 |
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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