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453 Flat Rock Dr, Denver, NC 28037 Property Records

Lincoln County property record for 453 Flat Rock Dr, Denver, NC 28037

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,609 sqft · built 2016
Lot Size0.167 acres (7,275 sqft)
Owner2 Company Names on Record
Last Sale$324,500 (Feb 2017)
Tax Bill$3,001 (2026)
Deeds & MortgagesSep 2026 Sale
Mar 2021 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN3692-64-7594

Property Details

APN / Parcel Number

Primary APN3692-64-7594
Alternative APNs
  • 261831
  • 92630

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,609 sqft Living Area

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleCustom Design
Lot Area7,275 sqft (0.167 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump

Location & Zoning

Account Number261831
Street Address453 FLAT ROCK DR
CityDENVER
StateNC
Zip28037-6103
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD-R
Legal DescriptionLT#226 CAROLINA RIDGE
Legal SubdivisionCAROLINA RIDGE
Legal Lot Number226
JurisdictionLINCOLN NC
Township / Civil DivisionCATAWBA SPRINGS
Census Block Group3
Census Block3003
Census Tract71102

Owner

Source: Lincoln County records, as of September 23, 2026

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

Owner of Record2 Company Names on Record
Mailing Address453 FLAT ROCK DR, DENVER, NC 28037-6103
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Sep 1, 2026Special Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Mar 16, 2021Deed of Trust, Mortgage · VA Mortgage
HOME POINT FINANCIAL CORPORATION
Oct 3, 2017Warranty Deed, Subdivision Related Transfer
ATTORNEY ONLY
Sep 22, 2017Deed of Trust, Mortgage · VA Mortgage
UNITED WHOLESALE MTG
Feb 22, 2017Grant Deed, Subdivision Related Transfer · VA Mortgage
SHEA MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 22, 2017 · Amount on Record
Deed SaleFeb 22, 2017 · Amount on Record
Deed Document Number2017559168
Deed Book / Page2647 / 933
Record UpdatedOct 29, 2026

September 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionLINCOLN NC
Recording DateSep 1, 2026
Property Address453 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number0000714532
Book / Page3534 / 127
Instrument DateAug 19, 2026
Instrument2026714532
Transaction TypeTransfer
Record UpdatedSep 23, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address453 FLAT ROCK DR, DENVER, NC 28037-6103

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLINCOLN NC
Property Address453 FLAT ROCK DR, DENVER, NC 28037-6103
Transaction TypeMortgage
Record UpdatedJan 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0003018804
DateMar 16, 2021
Book Page3018/804
Instrument627246
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term313 Months
DueApr 1, 2047

October 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionLINCOLN NC
Recording DateOct 3, 2017
Property Address453 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number269786
Book / Page002697 / 000086
Instrument DateOct 3, 2017
Instrument568890
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 18, 2018
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address453 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLINCOLN NC
Property Address453 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number2712350
Book / Page002712 / 000350
Instrument DateSep 22, 2017
Transaction TypeMortgage
Record UpdatedJan 3, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address453 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103

Mortgage

Document Number2712350
DateDec 14, 2017
Book Page002712/000350
Instrument571844
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressTROY, MI 48083
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 13, 2047

February 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionLINCOLN NC
Recording DateFeb 22, 2017
Property Address453 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number2647933
Book / Page002647 / 000933
Instrument DateFeb 6, 2017
Instrument559168
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 18, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$649.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address453 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103

Mortgage

Document Number2647935
DateFeb 22, 2017
Book Page002647/000935
Instrument559169
Lender
NameSHEA MTG
TypeMortgage Company
AddressSCOTTSDALE, AZ 85260
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 21, 2047

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,001.00 (+1.08%)$473,731 (-) Land $75,000 Building $398,731$473,731 (-) Land $75,000 Building $398,731
2023$2,969.00$473,731 Land $75,000 Building $398,731$473,731 Land $75,000 Building $398,731

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

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 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
Fixed Wireless		100 / 20

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