Lincoln County property record for 464 Granite Lake Ct, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,866 sqft · built 2016 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $675,000 (Jun 2025) |
| Tax Bill | $3,293 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-52-8643 |
| Primary APN | 3692-52-8643 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,866 sqft Living Area |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Custom Design |
| Lot Area | 6,360 sqft (0.146 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 310769 |
|---|---|
| Street Address | 464 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 | #111 CAROLINA RIDGE |
| Legal Subdivision | CAROLINA RDG |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 71102 |
464 Granite Lake Ct is owned and occupied by two individuals who bought it in June 2025.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 464 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| May 14, 2026 | Deed of Trust, Mortgage · Line of Credit P N C BANK NA |
| Mar 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2025 · Amount on File |
| Deed Sale | Jun 20, 2025 · Amount on File |
| Prior Sale | Dec 16, 2016 · Amount on File |
| Deed Document Number | 2025695677 |
| Deed Book / Page | 3416 / 706 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 14, 2026 |
| Property Address | 464 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 0000709576 |
| Book / Page | 3503 / 279 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 2026709576 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 464 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 0000709576, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 3503/279 |
| Instrument | 2026709576 |
| Name | P N C BANK NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | May 16, 2066 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 464 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 464 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 0003485768 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 3485/768 |
| Instrument | 706752 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ROSA, CA 95401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
The 2026 property tax bill for 464 Granite Lake Ct was $3,293.
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 | $3,293.00 | $522,076 (-) Land $75,000 Building $447,076 | $522,076 (-) Land $75,000 Building $447,076 |
| 2025 | $3,293.00 | $522,076 Land $75,000 Building $447,076 | $522,076 Land $75,000 Building $447,076 |
| 2023 | $3,259.00 | $522,076 Land $75,000 Building $447,076 | $522,076 Land $75,000 Building $447,076 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 464 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 464 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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