Lincoln County property record for 4400 Pine Harbor Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,683 sqft · built 1973 |
| Lot Size | 0.796 acres (34,674 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Jul 2004) |
| Tax Bill | $5,719 (2026) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4605-85-4560 |
| Primary APN | 4605-85-4560 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,683 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Custom Design |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 34,674 sqft (0.796 acres) |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Storage Building | 110 sqft |
| Boat Access | Boat Access |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 258640 |
|---|---|
| Street Address | 4400 PINE HARBOR DR |
| City | DENVER |
| State | NC |
| Zip | 28037-8664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | #16 LOT PINE HARBOR SUB |
| Legal Subdivision | PINE HARBOR |
| Legal Lot Number | 16 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 71203 |
4400 Pine Harbor Dr is owned and occupied by two individuals who bought it in July 2004.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4400 PINE HARBOR DR, DENVER, NC 28037-8664 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2004 · Amount on File |
| Deed Sale | Jul 30, 2004 · Amount on File |
| Deed Book / Page | 1614 / 432 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4400 PINE HARBOR DR, DENVER, NC 28037-8664 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2021 |
| Title Company | STEWART TITLE GURANTY, STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|---|
| Address | 4400 PINE HARBOR DR, DENVER, NC 28037-8664 |
| Document Number | 3045264 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 3045/264 |
| Instrument | 631983 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 4400 Pine Harbor Dr was $5,719.
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 | $5,719.00 | $916,376 Land $497,192 Building $419,184 | $916,376 Land $497,192 Building $419,184 |
| 2023 | $5,212.00 | $844,477 Land $497,192 Building $347,285 | $844,477 Land $497,192 Building $347,285 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4400 Pine Harbor Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 4400 Pine Harbor Dr is low, with a 0.01% annual chance of wildfire.
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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