4392 Rustling Woods Dr, Denver, NC 28037 Property Records

Lincoln County property record for 4392 Rustling Woods Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,388 sqft · built 2003
Lot Size	0.662 acres (28,837 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Oct 2020)
Tax Bill	$5,581 (2026)
Deeds & Mortgages	Feb 2022 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4615-30-0193`

Property Details

APN / Parcel Number

Primary APN	`4615-30-0193`
Alternative APNs	`281097` `76628`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,388 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	28,837 sqft (0.662 acres)
Pool Type	Pool with Hot Tub/Spa
Pool Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	281097
Street Address	4392 RUSTLING WOODS DR
City	DENVER
State	NC
Zip	28037-5462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#296 LOT SAILVIEW
Legal Subdivision	SAILVIEW
Legal Lot Number	296
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2004
Census Tract	71203

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Terrell Historic District listed 1986 · 11 contributing resources · NRIS 86001685

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	4392 RUSTLING WOODS DR, DENVER, NC 28037-5462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Oct 30, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Aug 1, 2017	Warranty Deed, Transfer · Conventional with PMI TOWNEBANK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on Record
Deed Sale	Oct 30, 2020 · Amount on Record
Prior Sale	Aug 1, 2017 · Amount on Record
Deed Document Number	2020618897
Deed Book / Page	2968 / 754
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4392 RUSTLING WOODS DR, DENVER, NC 28037-5462
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003134756
Date	Feb 8, 2022
Book Page	3134/756
Instrument	647152

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4392 RUSTLING WOODS DR, DENVER, NC 28037-5462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2910149
Date	May 20, 2020
Book Page	2910/149
Instrument	609093

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 30, 2020
Property Address	4392 RUSTLING WOODS DR, DENVER, NC 28037-5462
Document Number	2968754
Book / Page	2968 / 754
Map Reference	MB 10 PG 94
Instrument Date	Oct 29, 2020
Instrument	618897
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BARRISTERS TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7787 CHAPEL CREEK DR, 7787, DENVER, NC 28037-8404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4392 RUSTLING WOODS DR, DENVER, NC 28037-5462

Mortgage

Document Number	618898
Date	Oct 30, 2020
Instrument	618898

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Aug 1, 2017
Property Address	4392 RUSTLING WOODS DR, DENVER, NC 28037-5462
Document Number	2682523
Book / Page	002682 / 000523
Instrument Date	Aug 1, 2017
Instrument	566060
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4392 RUSTLING WOODS DR DENVER NC 280375462, DENVER, NC 28037-5462

Mortgage

Document Number	2682525
Date	Aug 1, 2017
Book Page	002682/000525
Instrument	566061

Lender

Name	TOWNEBANK MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 31, 2032

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	$5,581.00 (+1.33%)	$893,659 (-) Land $102,000 Building $791,659	$893,659 (-) Land $102,000 Building $791,659
2023	$5,508.00	$893,659 Land $102,000 Building $791,659	$893,659 Land $102,000 Building $791,659

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	5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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