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495 Flat Rock Dr, Denver, NC 28037 Property Records

Lincoln County property record for 495 Flat Rock Dr, Denver, NC 28037 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,147 sqft · built 2016
Lot Size0.209 acres (9,104 sqft)
Owner2 Company Names on File
Last Sale$735,000 (Dec 2023)
Tax Bill$3,647 (2025)
Deeds & MortgagesDec 2023 Sale
Apr 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN3692-64-8361

Property Details

APN / Parcel Number

Primary APN3692-64-8361
Alternative APNs
  • 308185
  • 262312
  • 92634

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area2,147 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleCustom Design
Lot Area9,104 sqft (0.209 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump

Location & Zoning

Account Number308185
Street Address495 FLAT ROCK DR
CityDENVER
StateNC
Zip28037-6103
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description#222 LT CAROLINA RIDGE
Legal SubdivisionCAROLINA RIDGE PARCEL G H
Legal Lot Number222
JurisdictionLINCOLN NC
Township / Civil DivisionCATAWBA SPRINGS
Census Block Group3
Census Block3003
Census Tract71102

Owner

Source: Lincoln County records · APN 3692-64-8361

Assessment roll updated August 12, 2025 · Last verified June 2026

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

Owner of Record2 Company Names on File
Mailing Address5919 MIDNIGHT PASS RD, SARASOTA, FL 34242-8707
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Dec 21, 2023Warranty Deed, Transfer
Apr 12, 2017Reverse Mortgage, Subdivision Related Transfer · FHA Mortgage
REVERSE MTG FNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 21, 2023 · Amount on Record
Deed SaleDec 21, 2023 · Amount on Record
Prior SaleApr 12, 2017 · Amount on Record
Deed Document Number2023675401
Deed Book / Page3296 / 102
Record UpdatedSep 20, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLINCOLN NC
Recording DateDec 21, 2023
Property Address495 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number0003296102
Book / Page3296 / 102
Map ReferenceMB 16 PG 466-468
Instrument DateDec 21, 2023
Instrument675401
Transaction TypeTransfer
Record UpdatedJan 19, 2024

Transaction

AmountAmount Recorded
Tax$1,470.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address217 STONE MOUNTAIN WAY, DENVER, NC 28037-4210

Transferred To (Grantee/Buyer)

NameVerified Name
Address5919 MIDNIGHT PASS RD, SARASOTA, FL 34242-8707

April 2017: Reverse Mortgage, Subdivision Related Transfer

Document TypeReverse Mortgage
JurisdictionLINCOLN NC
Recording DateApr 12, 2017
Property Address495 FLAT ROCK DR, DENVER, NC 28037-6103
Document Number2658606
Book / Page002658 / 000606
Instrument DateMar 09, 2017
Instrument561318
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 20, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$836.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address495 FLAT ROCK DR DENVER NC 280376103, DENVER, NC 28037-6103

Mortgage

Document Number2658608
DateApr 12, 2017
Book Page002658/000608
Instrument561319
Lender
NameREVERSE MTG FNDG
TypeMortgage Company
AddressBLOOMFIELD, NJ 07003
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term912 Months
DueApr 11, 2093

Tax Assessment & Valuation

Source: Lincoln County records · Assessment roll updated August 12, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,647.00 (+0.97%)$580,752 (-) Land $75,000 Building $505,752$580,752 (-) Land $75,000 Building $505,752
2023$3,612.00$580,752 Land $75,000 Building $505,752$580,752 Land $75,000 Building $505,752

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lincoln County (37109C), updated January 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371090711023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Nearby Flood Policies10 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 24% of North Carolina
Wildfire LikelihoodAbout 1 in 2,778 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 292 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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