Lincoln County property record for 481 Flat Rock Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,642 sqft · built 2016 |
| Lot Size | 0.189 acres (8,233 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $476,000 (Jan 2017) |
| Tax Bill | $4,252 (2023) |
| Deeds & Mortgages | Aug 2020 Mortgage Feb 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-64-7491 |
| Primary APN | 3692-64-7491 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,642 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Architectural Style | Custom Design |
| Lot Area | 8,233 sqft (0.189 acres) |
| Pool House | Pool House |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 261681 |
|---|---|
| Street Address | 481 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 | LT#224 CAROLINA RIDGE |
| Legal Subdivision | CAROLINA RDG |
| Legal Lot Number | 224 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 71102 |
Source: Lincoln County records, as of November 17, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 481 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Feb 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Oct 3, 2017 | Grant Deed, Subdivision Related Transfer ATTORNEY ONLY |
| Jan 31, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SHEA MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 31, 2017 · Amount on Record |
| Deed Sale | Jan 31, 2017 · Amount on Record |
| Deed Document Number | 2644420 |
| Deed Book / Page | 002644 / 000420 |
| Last Transfer Date | Oct 3, 2017 |
| Transfer Doc | 269778 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 481 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2941217 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | 2941/217 |
| Instrument | 614347 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 481 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Document Number | 2726882 |
| Instrument Date | Feb 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Name | Verified Name |
|---|---|
| Address | 481 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103 |
| Document Number | 2726882 |
|---|---|
| Date | Mar 2, 2018 |
| Book Page | 002726/000882 |
| Instrument | 574791 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Oct 3, 2017 |
| Property Address | 481 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Document Number | 269778 |
| Book / Page | 002697 / 000078 |
| Instrument Date | Oct 3, 2017 |
| Instrument | 568888 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 481 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jan 31, 2017 |
| Property Address | 481 FLAT ROCK DR, DENVER, NC 28037-6103 |
| Document Number | 2644420 |
| Book / Page | 002644 / 000420 |
| Instrument Date | Jan 16, 2017 |
| Instrument | 558324 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $952.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 481 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103 |
| Document Number | 2644422 |
|---|---|
| Date | Jan 31, 2017 |
| Book Page | 002644/000422 |
| Instrument | 558325 |
| Name | SHEA MTG |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85260 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 30, 2047 |
Source: Lincoln County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,252.00 | $687,116 Land $75,000 Building $612,116 | $687,116 Land $75,000 Building $612,116 |
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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