Lincoln County property record for 487 Granite Lake Ct, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,698 sqft · built 2016 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | Individual Name on File |
| Last Sale | $635,000 (May 2024) |
| Tax Bill | $3,181 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Feb 2022 Reverse Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-52-9997 |
| Primary APN | 3692-52-9997 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,698 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 | 303868 |
|---|---|
| Street Address | 487 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 | #129 LT CAROLINA RIDGE |
| Legal Subdivision | CAROLINA RDG PRCL B C |
| Legal Lot Number | 129 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 71102 |
487 Granite Lake Ct is owned and occupied by an individual who bought it in May 2024.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 487 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 |
|---|---|
| Mar 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Feb 28, 2022 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Jan 6, 2020 | Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Jan 6, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2024 · Amount on File |
| Deed Sale | May 6, 2024 · Amount on File |
| Prior Sale | Nov 29, 2016 · Amount on File |
| Deed Document Number | 2024680062 |
| Deed Book / Page | 3322 / 644 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 487 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 487 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 0003490253 |
|---|---|
| Date | Mar 31, 2026 |
| Book Page | 3490/253 |
| Instrument | 707496 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 487 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 487 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 0003140633 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 3140/633 |
| Instrument | 648152 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.88% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 7.88% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 487 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 287571 |
| Instrument Date | Jan 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 487 GRANITE LAKE CT DENVER NC 280376531, DENVER, NC 28037-6531 |
| Document Number | 287571 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 002875/000071 |
| Instrument | 603033 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 972 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.04% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 487 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 287555 |
| Instrument Date | Jan 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | FNC TITLE SERVICES, FNC TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 487 GRANITE LAKE CT DENVER NC 280376531, DENVER, NC 28037-6531 |
| Document Number | 287555 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 002875/000055 |
| Instrument | 603032 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 972 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.04% |
The 2026 property tax bill for 487 Granite Lake Ct was $3,181.
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 | $3,181.00 | $503,503 (-) Land $75,000 Building $428,503 | $503,503 (-) Land $75,000 Building $428,503 |
| 2025 | $3,181.00 | $503,503 Land $75,000 Building $428,503 | $503,503 Land $75,000 Building $428,503 |
| 2023 | $3,148.00 | $503,503 Land $75,000 Building $428,503 | $503,503 Land $75,000 Building $428,503 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 487 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 487 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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