Lincoln County property record for 475 Granite Lake Ct, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,866 sqft · built 2016 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $368,000 (Feb 2017) |
| Tax Bill | $3,250 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-52-8857 |
| Primary APN | 3692-52-8857 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,866 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Custom Design |
| Lot Area | 6,229 sqft (0.143 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 261900 |
|---|---|
| Street Address | 475 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 | #132 CAROLINA RIDGE |
| Legal Subdivision | CAROLINA RDG PRCL B C |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 71102 |
475 Granite Lake Ct is owned and occupied by two individuals who bought it in February 2017.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 475 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| 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.
| Date | Document |
|---|---|
| Jun 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Nov 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIN'L RSRCS |
| Aug 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIN'L RSRCS |
| Jun 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIN'L RSRCS |
| Feb 28, 2017 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage SHEA MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2017 · Amount on File |
| Deed Sale | Feb 28, 2017 · Amount on File |
| Deed Document Number | 2017559439 |
| Deed Book / Page | 2649 / 207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 475 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3049424 |
|---|---|
| Date | Jun 8, 2021 |
| Book Page | 3049/424 |
| Instrument | 632718 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 475 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 2878694 |
| Instrument Date | Nov 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 475 GRANITE LAKE CT DENVER NC 280376531, DENVER, NC 28037-6531 |
| Document Number | 2878694 |
|---|---|
| Date | Jan 29, 2020 |
| Book Page | 002878/000694 |
| Instrument | 603731 |
| Name | AMERICAN FIN'L RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 475 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 2844845 |
| Instrument Date | Aug 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2019 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 475 GRANITE LAKE CT DENVER NC 280376531, DENVER, NC 28037-6531 |
| Document Number | 2844845 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 002844/000845 |
| Instrument | 597552 |
| Name | AMERICAN FIN'L RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 8, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 475 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 2748854 |
| Instrument Date | Jun 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 475 GRANITE LAKE CT DENVER NC 280376531, DENVER, NC 28037-6531 |
| Document Number | 2748854 |
|---|---|
| Date | Jun 12, 2018 |
| Book Page | 002748/000854 |
| Instrument | 579103 |
| Name | AMERICAN FIN'L RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Feb 28, 2017 |
| Property Address | 475 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 2649207 |
| Book / Page | 002649 / 000207 |
| Instrument Date | Feb 6, 2017 |
| Instrument | 559439 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $736.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 475 GRANITE LAKE CT DENVER NC 280376531, DENVER, NC 28037-6531 |
| Document Number | 2649209 |
|---|---|
| Date | Feb 28, 2017 |
| Book Page | 002649/000209 |
| Instrument | 559440 |
| Name | SHEA MTG |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85260 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 27, 2047 |
The 2026 property tax bill for 475 Granite Lake Ct was $3,250.
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 | $3,250.00 | $514,956 Land $75,000 Building $439,956 | $514,956 Land $75,000 Building $439,956 |
| 2023 | $3,216.00 | $514,956 Land $75,000 Building $439,956 | $514,956 Land $75,000 Building $439,956 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 475 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 475 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures