4485 Rustling Woods Dr, Denver, NC 28037 Property Records

Lincoln County property record for 4485 Rustling Woods Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,513 sqft · built 2001
Lot Size	0.629 acres (27,399 sqft)
Owner	2 Individual Names on File
Last Sale	$592,000 (Jul 2019)
Tax Bill	$5,934 (2026)
Deeds & Mortgages	Apr 2021 Mortgage May 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4614-49-0946`

Property Details

APN / Parcel Number

Primary APN	`4614-49-0946`
Alternative APNs	`461406490946` `274173` `76656`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,513 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	27,399 sqft (0.629 acres)
Pool Area	512 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	274173
Street Address	4485 RUSTLING WOODS DR
City	DENVER
State	NC
Zip	28037-5468
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#226 LOT SAILVIEW
Legal Subdivision	SAILVIEW
Legal Lot Number	226
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2001
Census Tract	71203

Owner

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	2 Individual Names on File
Mailing Address	4485 RUSTLING WOODS DR, DENVER, NC 28037-5468
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 15, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 25, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2019 · Amount on File
Deed Sale	Jul 25, 2019 · Amount on File
Prior Sale	Sep 25, 2015 · Amount on File
Deed Document Number	2019595524
Deed Book / Page	2833 / 151
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4485 RUSTLING WOODS DR, DENVER, NC 28037-5468
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3028686
Date	Apr 8, 2021
Book Page	3028/686
Instrument	628961

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4485 RUSTLING WOODS DR, DENVER, NC 28037-5468
Document Number	2915545
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4485 RUSTLING WOODS DR DENVER NC 280375468, DENVER, NC 28037-5468

Mortgage

Document Number	2915545
Date	Jun 8, 2020
Book Page	002915/000545
Instrument	609992

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2050

Interest

Rate Type	Adjustable Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 25, 2019
Property Address	4485 RUSTLING WOODS DR, DENVER, NC 28037-5468
Document Number	2833151
Book / Page	002833 / 000151
Instrument Date	Jul 23, 2019
Instrument	595524
Transaction Type	Transfer
Record Updated	Aug 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,184.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4485 RUSTLING WOODS DR DENVER NC 280375468, DENVER, NC 28037-5468

Mortgage

Document Number	2833154
Date	Jul 25, 2019
Book Page	002833/000154
Instrument	595525

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2049

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	$5,934.00 (+1.3%)	$951,604 (-) Land $111,000 Building $840,604	$951,604 (-) Land $111,000 Building $840,604
2023	$5,858.00	$951,604 Land $111,000 Building $840,604	$951,604 Land $111,000 Building $840,604

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 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.

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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