Lincoln County property record for 4408 Pine Harbor Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,065 sqft · built 1993 |
| Lot Size | 0.851 acres (37,070 sqft) |
| Owner | Company Name on File |
| Last Sale | $670,000 (Oct 2017) |
| Tax Bill | $6,680 (2026) |
| Deeds & Mortgages | Feb 2026 Sale Jun 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4605-85-4538 |
| Primary APN | 4605-85-4538 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,065 sqft Living Area |
| Basement Area | 1,632 sqft |
| Finished Basement | 1,074 sqft |
| Unfinished Basement | 558 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Custom Design |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 37,070 sqft (0.851 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
|---|---|
| Shed Area | 240 sqft |
| Loading Dock | 1,332 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 315535 |
|---|---|
| Street Address | 4408 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 | PINE HARBOR #15 |
| Legal Subdivision | PINE HARBOR |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 71203 |
4408 Pine Harbor Dr is owned by a company that bought it in October 2017.
Source: Lincoln County records, as of August 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2137 N SHARON AMITY RD, CHARLOTTE, NC 28205-7452 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Feb 11, 2026 | Warranty Deed, Transfer |
| Jun 15, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Dec 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK |
| Apr 11, 2018 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Oct 2, 2017 | Warranty Deed, Transfer · Conventional Mortgage BANK OF THE OZARKS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2017 · Amount on File |
| Deed Sale | Oct 2, 2017 · Amount on File |
| Prior Sale | Feb 16, 1993 · Amount on File |
| Deed Document Number | 2017568824 |
| Deed Book / Page | 2696 / 842 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Feb 11, 2026 |
| Property Address | 4408 PINE HARBOR DR, DENVER, NC 28037-8664 |
| Document Number | 0003476755 |
| Book / Page | 3476 / 755 |
| Map Reference | MB F PG 151 |
| Instrument Date | Feb 6, 2026 |
| Instrument | 705331 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2137 N SHARON AMITY RD, CHARLOTTE, NC 28205-7452 |
| Name | Verified Name |
|---|---|
| Address | 2137 N SHARON AMITY RD, CHARLOTTE, NC 28205-7452 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4408 PINE HARBOR DR, DENVER, NC 28037-8664 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 4408 PINE HARBOR DR, DENVER, NC 28037-8664 |
| Document Number | 0003173342 |
|---|---|
| Date | Jun 15, 2022 |
| Book Page | 3173/342 |
| Instrument | 653674 |
| 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 | 4408 PINE HARBOR DR, DENVER, NC 28037-8664 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0003119459 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 3119/459 |
| Instrument | 644610 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4408 PINE HARBOR DR, DENVER, NC 28037-8664 |
| Document Number | 2738495 |
| Instrument Date | Apr 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2018 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4408 PINE HARBOR DR DENVER NC 280378664, DENVER, NC 28037-8664 |
| Document Number | 2738495 |
|---|---|
| Date | Apr 24, 2018 |
| Book Page | 002738/000495 |
| Instrument | 577049 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Oct 2, 2017 |
| Property Address | 4408 PINE HARBOR DR, DENVER, NC 28037-8664 |
| Document Number | 2696842 |
| Book / Page | 002696 / 000842 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 568824 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,340.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2137 N SHARON AMITY RD CHARLOTTE NC 282057452, CHARLOTTE, NC 28205-7452 |
| Document Number | 2696845 |
|---|---|
| Date | Oct 2, 2017 |
| Book Page | 002696/000845 |
| Instrument | 568825 |
| Name | BANK OF THE OZARKS |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 1, 2027 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 4408 Pine Harbor Dr was $6,680, up 0.6% from the year before.
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 | $6,680.00 (+0.62%) | $1,074,217 (-) Land $478,061 Building $596,156 | $1,074,217 (-) Land $478,061 Building $596,156 |
| 2025 | $6,639.00 | $1,074,217 Land $478,061 Building $596,156 | $1,074,217 Land $478,061 Building $596,156 |
| 2023 | $5,872.00 | $953,941 Land $478,061 Building $475,880 | $953,941 Land $478,061 Building $475,880 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4408 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 4408 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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