Lincoln County property record for 495 Granite Lake Ct, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,866 sqft · built 2016 |
| Lot Size | 0.144 acres (6,273 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $357,000 (Dec 2016) |
| Tax Bill | $3,321 (2026) |
| Deeds & Mortgages | Mar 2021 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-63-0093 |
| Primary APN | 3692-63-0093 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 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 | 6,273 sqft (0.144 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 261286 |
|---|---|
| Street Address | 495 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 | #127 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 |
495 Granite Lake Ct is owned and occupied by two individuals who acquired it in March 2021.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 495 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2016 · Amount on File |
| Deed Sale | Dec 30, 2016 · Amount on File |
| Deed Document Number | 2016557051 |
| Deed Book / Page | 2638 / 124 |
| Last Transfer Date | Mar 24, 2021 |
| Transfer Doc | 0003024214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Mar 29, 2021 |
| Property Address | 495 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 0003024214 |
| Book / Page | 3024 / 214 |
| Map Reference | MB 16 PG 324 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 628189 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FNC TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 495 GRANITE LAKE CT, DENVER, NC 28037-6531 |
| Document Number | 0000628190 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 628190 |
| Name | REVERSE MORTGAGE FUNDING LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 810 Months |
| Due | Sep 24, 2088 |
The 2026 property tax bill for 495 Granite Lake Ct was $3,321.
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 | $3,321.00 | $526,737 (-) Land $75,000 Building $451,737 | $526,737 (-) Land $75,000 Building $451,737 |
| 2025 | $3,321.00 | $526,737 Land $75,000 Building $451,737 | $526,737 Land $75,000 Building $451,737 |
| 2023 | $3,287.00 | $526,737 Land $75,000 Building $451,737 | $526,737 Land $75,000 Building $451,737 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 495 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 495 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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