Lincoln County property record for 461 Granite Lake Ct, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,881 sqft · built 2016 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $503,500 (Dec 2016) |
| Tax Bill | $4,643 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-52-7725 |
| Primary APN | 3692-52-7725 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,881 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Custom Design |
| Lot Area | 12,197 sqft (0.28 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 303201 |
|---|---|
| Street Address | 461 GRANITE LAKE CT |
| City | DENVER |
| State | NC |
| Zip | 28037-6531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | #135 CAROLINA RIDGE |
| Legal Subdivision | CAROLINA RDG |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 71102 |
461 Granite Lake Ct is owner-occupied and held in a trust since January 2024.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 461 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION |
| Aug 17, 2021 | Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU |
| Mar 27, 2024 | Intrafamily Transfer, Transfer |
| Mar 27, 2024 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2016 · Amount on File |
| Deed Sale | Dec 1, 2016 · Amount on File |
| Deed Document Number | 2016555773 |
| Deed Book / Page | 2631 / 676 |
| Last Transfer Date | Jan 18, 2024 |
| Transfer Doc | 0003313685 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jun 5, 2026 |
| Property Address | 461 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 0000710660 |
| Book / Page | 3510 / 214 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 2026710660 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK, SERVICE LINK |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Document Number | 0000710660, |
|---|---|
| Date | Jun 5, 2026 |
| Book Page | 3510/214 |
| Instrument | 2026710660 |
| Name | PENTAGON FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 17, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 461 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000307447 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 3074/47 |
| Instrument | 637006 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Mar 27, 2024 |
| Property Address | 461 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 0003313685 |
| Book / Page | 3313 / 685 |
| Map Reference | MB 16 PG 366 |
| Instrument Date | Jan 18, 2024 |
| Instrument | 678562 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 461 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Name | Verified Name |
|---|---|
| Address | 461 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Mar 27, 2024 |
| Property Address | 461 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 0003313685 |
| Book / Page | 3313 / 685 |
| Map Reference | MB 16 PG 366 |
| Instrument Date | Jan 18, 2024 |
| Instrument | 678562 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 461 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 461 GRANITE LAKE CT, DENVER, NC 28037-6531 |
The 2026 property tax bill for 461 Granite Lake Ct was $4,643.
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 | $4,643.00 | $745,622 (-) Land $75,000 Building $670,622 | $745,622 (-) Land $75,000 Building $670,622 |
| 2025 | $4,643.00 | $745,622 Land $75,000 Building $670,622 | $745,622 Land $75,000 Building $670,622 |
| 2023 | $4,604.00 | $745,622 Land $75,000 Building $670,622 | $745,622 Land $75,000 Building $670,622 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 461 Granite Lake Ct 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 |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 461 Granite Lake Ct is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 373 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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