Lincoln County property record for 4392 Pine Harbor Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,594 sqft · built 1991 |
| Lot Size | 0.819 acres (35,676 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $800,000 (Jul 2018) |
| Tax Bill | $7,168 (2023) |
| Deeds & Mortgages | May 2020 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4605-85-4492 |
| Primary APN | 4605-85-4492 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,594 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Architectural Style | Custom Design |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 35,676 sqft (0.819 acres) |
| Garage Area | 900 sqft |
| Parking Spaces | 4 Parking Spaces |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 268550 |
|---|---|
| Old Parcel Number | 460512854492 |
| Street Address | 4392 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 #1 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4392 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Oct 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIN'L NTWK INC |
| Jan 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIN'L NTWK INC |
| Jul 13, 2018 | Warranty Deed, Transfer AMERICAN FIN'L NETWORK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2018 · Amount on Record |
| Deed Sale | Jul 13, 2018 · Amount on Record |
| Prior Sale | Mar 23, 2012 · Amount on Record |
| Deed Document Number | 0002756234 |
| Deed Book / Page | 2756 / 234 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4392 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2911296 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 2911/296 |
| Instrument | 609265 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4392 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Document Number | 2852125 |
| Instrument Date | Oct 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 4392 PINE HARBOR DR DENVER NC 280378663, DENVER, NC 28037-8663 |
| Document Number | 2852125 |
|---|---|
| Date | Oct 9, 2019 |
| Book Page | 002852/000125 |
| Instrument | 598876 |
| Name | AMERICAN FIN'L NTWK INC |
|---|---|
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4392 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Document Number | 2793465 |
| Instrument Date | Jan 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4392 PINE HARBOR DR DENVER NC 280378663, DENVER, NC 28037-8663 |
| Document Number | 2793465 |
|---|---|
| Date | Jan 24, 2019 |
| Book Page | 002793/000465 |
| Instrument | 588008 |
| Name | AMERICAN FIN'L NTWK INC |
|---|---|
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 23, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jul 13, 2018 |
| Property Address | 4392 PINE HARBOR DR, DENVER, NC 28037-8663 |
| Document Number | 2756234 |
| Book / Page | 002756 / 000234 |
| Instrument Date | Jul 6, 2018 |
| Instrument | 580567 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,599.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4392 PINE HARBOR DR DENVER NC 280378663, DENVER, NC 28037-8663 |
| Document Number | 2756236 |
|---|---|
| Date | Jul 13, 2018 |
| Book Page | 002756/000236 |
| Instrument | 580568 |
| Name | AMERICAN FIN'L NETWORK |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 12, 2048 |
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 | $7,168.00 | $1,168,851 Land $499,538 Building $669,313 | $1,168,851 Land $499,538 Building $669,313 |
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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