Lincoln County property record for 454 Flat Rock Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,755 sqft · built 2016 |
| Lot Size | 0.164 acres (7,144 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $511,000 (Jan 2022) |
| Tax Bill | $3,150 (2026) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Apr 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-64-6516 |
| Primary APN | 3692-64-6516 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,755 sqft Living Area |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Custom Design |
| Lot Area | 7,144 sqft (0.164 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 311014 |
|---|---|
| Street Address | 454 FLAT ROCK DR |
| City | DENVER |
| State | NC |
| Zip | 28037-6103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | #325 LT CAROLINA RIDGE |
| Legal Subdivision | CAROLINA RDG |
| Legal Lot Number | 325 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 71102 |
Source: Lincoln County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 454 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jan 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Apr 6, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Feb 26, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jan 3, 2018 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 11, 2022 · Amount on Record |
| Deed Sale | Jan 11, 2022 · Amount on Record |
| Prior Sale | Dec 28, 2016 · Amount on Record |
| Deed Document Number | 2022645720 |
| Deed Book / Page | 3126 / 152 |
| Prior Transfer Date | Feb 24, 2020 |
| Prior Transfer Doc | 2885355 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jan 11, 2022 |
| Property Address | 454 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Document Number | 0003126152 |
| Book / Page | 3126 / 152 |
| Map Reference | MB 16 PG 371-373 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 645720 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,022.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 391 BROADLEAF DR, DENVER, NC 28037-4203 |
| Name | Verified Name |
|---|---|
| Address | 454 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Document Number | 0000645721 |
|---|---|
| Date | Jan 11, 2022 |
| Instrument | 645721 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 454 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2896124 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 2896/124 |
| Instrument | 606826 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILMINGTON, NC 28412 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Feb 26, 2020 |
| Property Address | 454 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Document Number | 2885355 |
| Book / Page | 002885 / 000355 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 604953 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 454 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 454 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Document Number | 2718354 |
| Book / Page | 002718 / 000354 |
| Instrument Date | Jan 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2018 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 454 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103 |
| Document Number | 2718354 |
|---|---|
| Date | Jan 19, 2018 |
| Book Page | 002718/000354 |
| Instrument | 573103 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,150.00 | $498,430 (-) Land $75,000 Building $423,430 | $498,430 (-) Land $75,000 Building $423,430 |
| 2025 | $3,150.00 (+1.06%) | $498,430 (-) Land $75,000 Building $423,430 | $498,430 (-) Land $75,000 Building $423,430 |
| 2023 | $3,117.00 | $498,430 Land $75,000 Building $423,430 | $498,430 Land $75,000 Building $423,430 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 292 locations within half a mile, as of December 31, 2025
| Provider | Max 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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