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441 Flat Rock Dr, Denver, NC 28037 Property Records

Lincoln County property record for 441 Flat Rock Dr, Denver, NC 28037

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,358 sqft · built 2016
Lot Size0.173 acres (7,536 sqft)
Owner2 Company Names on File
Last Sale$401,500 (Mar 2017)
Tax Bill$3,852 (2025)
Deeds & MortgagesSep 2022 Reverse Mortgage
Mar 2018 Loan Modification
+ 2 more
Flood ZoneZone X (minimal risk)
APN3692-64-8634

Property Details

APN / Parcel Number

Primary APN3692-64-8634
Alternative APNs
  • 292874
  • 262141
  • 92628

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories1 Story
Building Area2,358 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleCustom Design
Lot Area7,536 sqft (0.173 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump

Location & Zoning

Account Number292874
Street Address441 FLAT ROCK DR
CityDENVER
StateNC
Zip28037-6103
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD-R
Legal DescriptionLT#228 CAROLINA RIDGE
Legal SubdivisionCAROLINA RIDGE PARCEL G H
Legal Lot Number228
JurisdictionLINCOLN NC
Township / Civil DivisionCATAWBA SPRINGS
Census Block Group3
Census Block3003
Census Tract71102

Owner

Source: Lincoln County assessment roll, as of August 12, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address441 FLAT ROCK DR, DENVER, NC 28037-6103
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Sep 13, 2022Intrafamily Transfer, Transfer · Reverse Mortgage
NATIONWIDE EQUITIES CORPORATION
Mar 22, 2018Loan Modification, Mortgage
GENERAL MTG CAP CORP
Oct 3, 2017Grant Deed, Subdivision Related Transfer
ATTORNEY ONLY
Mar 23, 2017Reverse Mortgage, Subdivision Related Transfer · FHA Mortgage
REVERSE MTG FNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 23, 2017 · Amount on Record
Deed SaleMar 23, 2017 · Amount on Record
Deed Document Number2017560457
Deed Book / Page2654 / 184
Last Transfer DateMar 2, 2022
Transfer Doc0003195806
Record UpdatedJun 8, 2026

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLINCOLN NC
Recording DateSep 13, 2022
Property Address441 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number0003195806
Book / Page3195 / 806
Map ReferenceMB 17 PG 150&151
Instrument DateMar 2, 2022
Instrument657679
Transaction TypeTransfer
Record UpdatedApr 17, 2023
Title CompanyALAMO TITLE COMPANY, ALAMO TITLE COLLEYVILLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address441 FLAT ROCK DR, DENVER, NC 28037-6103

Transferred To (Grantee/Buyer)

NameVerified Name
Address441 FLAT ROCK DR, DENVER, NC 28037-6103

Mortgage

Document Number0000657680
DateSep 13, 2022
Instrument657680
Lender
NameNATIONWIDE EQUITIES CORPORATION
TypeNon-Lending Institution
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate3.14%
AdjustableAdjustable Rate Rider
Change FrequencyMonthly
Index1-Year CMT
Max Rate8.14%

March 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionLINCOLN NC
Property Address441 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number2732439
Instrument DateMar 22, 2018
Transaction TypeMortgage
Record UpdatedApr 9, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address441 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103

Mortgage

Document Number2732439
DateMar 27, 2018
Book Page002732/000439
Instrument575881
Lender
NameGENERAL MTG CAP CORP
Agreement
AmountAmount Recorded

October 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionLINCOLN NC
Recording DateOct 3, 2017
Property Address441 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number269794
Book / Page002697 / 000094
Instrument DateOct 3, 2017
Instrument568892
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 18, 2018
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address441 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103

March 2017: Reverse Mortgage, Subdivision Related Transfer

Document TypeReverse Mortgage
JurisdictionLINCOLN NC
Recording DateMar 23, 2017
Property Address441 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number2654184
Book / Page002654 / 000184
Instrument DateFeb 6, 2017
Instrument560457
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 5, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$803.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address441 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103

Mortgage

Document Number2654186
DateMar 23, 2017
Book Page002654/000186
Instrument560458
Lender
NameREVERSE MTG FNDG
TypeMortgage Company
AddressBLOOMFIELD, NJ 07003
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term1044 Months
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 12, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyLincoln County
Unified School DistrictLincoln County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,852.00 (+0.94%)$614,728 (-) Land $75,000 Building $539,728$614,728 (-) Land $75,000 Building $539,728
2023$3,816.00$614,728 Land $75,000 Building $539,728$614,728 Land $75,000 Building $539,728

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Nearby Flood Policies10 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 RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemLINCOLN COUNTY WTP
serves 49,693 people · EPA ID NC0155035
Water SourceSurface water
Last State InspectionNov 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting1
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 292 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

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