4520 Rustling Woods Dr, Denver, NC 28037 Property Records

Lincoln County property record for 4520 Rustling Woods Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,555 sqft · built 2003
Lot Size	0.994 acres (43,299 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Jun 2018)
Tax Bill	$5,227 (2026)
Deeds & Mortgages	May 2026 Line of Credit Sep 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4614-49-3439`

Property Details

APN / Parcel Number

Primary APN	`4614-49-3439`
Alternative APNs	`461406493439` `267942` `79695`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,555 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	43,299 sqft (0.994 acres)

Exterior Amenities

Pool Area	450 sqft
Storage Building	160 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	267942
Street Address	4520 RUSTLING WOODS DR
City	DENVER
State	NC
Zip	28037-5480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#279 LOT SAILVIEW SUB
Legal Subdivision	SAILVIEW
Legal Lot Number	279
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2004
Census Tract	71203

Owner

4520 Rustling Woods Dr is owned and occupied by two individuals who bought it in June 2018.

Source: Lincoln County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4520 RUSTLING WOODS DR, DENVER, NC 28037-5480
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.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Sep 11, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jan 15, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FSB/LINCOLNTON
Jun 20, 2018	Warranty Deed, Transfer FIRST FSB/LINCOLNTON
Jun 21, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2018 · Amount on File
Deed Sale	Jun 20, 2018 · Amount on File
Prior Sale	Oct 27, 2004 · Amount on File
Deed Document Number	2018579534
Deed Book / Page	2751 / 25
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	May 6, 2026
Property Address	4520 RUSTLING WOODS DR, DENVER, NC 28037-5480
Document Number	0000709202
Book / Page	3501 / 166
Instrument Date	Apr 21, 2026
Instrument	2026709202
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000709202,
Date	May 6, 2026
Book Page	3501/166
Instrument	2026709202

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2056

Interest

Rate	6.38%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4520 RUSTLING WOODS DR, DENVER, NC 28037-5480
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 RUSTLKING WOODE, DENVER, NC 28037-5480

Mortgage

Document Number	0003275567
Date	Sep 11, 2023
Book Page	3275/567
Instrument	671709

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 5, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4520 RUSTLING WOODS DR, DENVER, NC 28037-5480
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2956891
Date	Sep 30, 2020
Book Page	2956/891
Instrument	616963

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4520 RUSTLING WOODS DR, DENVER, NC 28037-5480
Document Number	287797
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4520 RUSTLING WOODS DR DENVER NC 280375480, DENVER, NC 28037-5480

Mortgage

Document Number	287797
Date	Jan 21, 2020
Book Page	002877/000097
Instrument	603434

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092-3398

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 20, 2035

Interest

Rate Type	Adjustable Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 20, 2018
Property Address	4520 RUSTLING WOODS DR, DENVER, NC 28037-5480
Document Number	275125
Book / Page	002751 / 000025
Instrument Date	Jun 20, 2018
Instrument	579534
Transaction Type	Transfer
Record Updated	Jun 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4520 RUSTLING WOODS DR DENVER NC 280375480, DENVER, NC 28037-5480

Mortgage

Document Number	275129
Date	Jun 20, 2018
Book Page	002751/000029
Instrument	579535

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092-3398

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2048

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 21, 2018
Property Address	4520 RUSTLING WOODS DR, DENVER, NC 28037-5480
Document Number	2751160
Book / Page	002751 / 000160
Instrument Date	Jun 20, 2018
Instrument	579560
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$740.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4520 RUSTLING WOODS DR DENVER NC 280375480, DENVER, NC 28037-5480

Tax Assessment & Valuation

The 2026 property tax bill for 4520 Rustling Woods Dr was $5,227, up 0.6% from the year before.

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	$5,227.00 (+0.64%)	$835,497 (-) Land $102,000 Building $733,497	$835,497 (-) Land $102,000 Building $733,497
2025	$5,194.00	$835,497 Land $102,000 Building $733,497	$835,497 Land $102,000 Building $733,497
2023	$5,158.00	$835,497 Land $102,000 Building $733,497	$835,497 Land $102,000 Building $733,497

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4520 Rustling Woods Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4520 Rustling Woods Dr is low, with less than 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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 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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