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489 Flat Rock Dr, Denver, NC 28037 Property Records

Lincoln County property record for 489 Flat Rock Dr, Denver, NC 28037

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,743 sqft · built 2016
Lot Size0.182 acres (7,971 sqft)
OwnerIndividual Name on File
Last Sale$382,500 (Feb 2017)
Tax Bill$3,137 (2023)
Deeds & MortgagesJan 2023 Transfer
Oct 2017 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN3692-64-8315

Property Details

APN / Parcel Number

Primary APN3692-64-8315
Alternative APNs
  • 295030
  • 261837
  • 92633

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,743 sqft Finished Area

Exterior

Year BuiltBuilt 2016
Architectural StyleCustom Design
Lot Area7,971 sqft (0.182 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump

Location & Zoning

Account Number295030
Street Address489 FLAT ROCK DR
CityDENVER
StateNC
Zip28037-6103
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD-R
Legal DescriptionLT#223 CAROLINA RIDGE
Legal SubdivisionCAROLINA RDG PRCL G/H MAP 1
Legal Lot Number223
JurisdictionLINCOLN NC
Township / Civil DivisionCATAWBA SPRINGS
Census Block Group3
Census Block3003
Census Tract71102

Owner

Source: Lincoln County assessment roll, as of January 1, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-owner2 Verified Secondary Owners
Mailing Address489 FLAT ROCK DR, DENVER, NC 28037-6103
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 13, 2023Intrafamily Transfer, Transfer
Oct 3, 2017Grant Deed, Subdivision Related Transfer
ATTORNEY ONLY
Feb 23, 2017Grant Deed, Subdivision Related Transfer · Conventional Mortgage
TOWNEBANK MTG

Assessor's Deed Record

Deed Names3 Verified Names on Deed
Last SaleFeb 23, 2017 · Amount on Record
Deed SaleFeb 23, 2017 · Amount on Record
Prior SaleFeb 23, 2017 · Amount on Record
Deed Document Number2648106
Deed Book / Page002648 / 000106
Last Transfer DateJan 13, 2023
Transfer Doc0003223130
Record UpdatedJun 7, 2026

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLINCOLN NC
Recording DateJan 13, 2023
Property Address489 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number0003223130
Book / Page3223 / 130
Map ReferenceMB 16 PG 371-373
Instrument DateDec 21, 2022
Instrument662465
Transaction TypeTransfer
Record UpdatedJan 24, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address489 FLAT ROCK DR, DENVER, NC 28037-6103

Transferred To (Grantee/Buyer)

NameVerified Name
Address489 FLAT ROCK DR, DENVER, NC 28037-6103

October 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionLINCOLN NC
Recording DateOct 3, 2017
Property Address489 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number269774
Book / Page002697 / 000074
Instrument DateOct 3, 2017
Instrument568887
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 15, 2019
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address489 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103

February 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionLINCOLN NC
Recording DateFeb 23, 2017
Property Address489 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number2648106
Book / Page002648 / 000106
Instrument DateFeb 6, 2017
Instrument559201
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 5, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$765.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address489 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103

Mortgage

Document Number2648108
DateFeb 23, 2017
Book Page002648/000108
Instrument559202
Lender
NameTOWNEBANK MTG
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23451
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueFeb 22, 2027

Mortgage

Document Number2648131,
DateFeb 23, 2017
Book Page002648/000131
Instrument559203
Lender
NameFIRST CITIZENS BK
TypeBank
AddressRALEIGH, NC 27611-6592
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of January 1, 2023

Property Jurisdictions

TypeName
StateNorth Carolina
CountyLincoln County
Unified School DistrictLincoln County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$3,137.00$501,712 Land $75,000 Building $426,712$501,712 Land $75,000 Building $426,712

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Nearby Flood Policies10 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemLINCOLN COUNTY WTP
serves 49,693 people · EPA ID NC0155035
Water SourceSurface water
Last State InspectionNov 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

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