Lincoln County property record for 5078 Windward Pt, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6 ba · 4,487 sqft · built 2006 |
| Lot Size | 1.48 acres (64,556 sqft) |
| Owner | Individual Name on File |
| Last Sale | $850,000 (Jul 2018) |
| Tax Bill | $12,169 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4615-76-8520 |
| Primary APN | 4615-76-8520 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 15 Rooms |
| Stories | 1 Story |
| Building Area | 4,487 sqft Living Area |
| Basement Area | 4,097 sqft |
| Finished Basement | 1,844 sqft |
| Unfinished Basement | 2,253 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 64,556 sqft (1.48 acres) |
| Pool Area | 320 sqft |
| Boat Access | Boat Access |
| Boat House | 672 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 268669 |
|---|---|
| Street Address | 5078 WINDWARD PT |
| City | DENVER |
| State | NC |
| Zip | 28037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | 3&10 STEVEN RAY STEWART |
| Legal Subdivision | J B MCCONNELL ESTATE |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 71203 |
5078 Windward Pt is owned by an individual who bought it in July 2018.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 807 N TRADE ST, WINSTON SALEM, NC 27101-1432 |
| 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 |
|---|---|
| Oct 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST CO |
| Oct 26, 2021 | Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK & TRUST |
| Jul 23, 2018 | Warranty Deed, Transfer AMERICAN NATL BK & TR CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2018 · Amount on File |
| Deed Sale | Jul 23, 2018 · Amount on File |
| Prior Sale | Jun 5, 1992 · Amount on File |
| Deed Document Number | 2018580911 |
| Deed Book / Page | 2757 / 840 |
| Prior Transfer Date | Oct 16, 2007 |
| Prior Transfer Doc | 0000016573 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 5078 WINDWARD PT, DENVER, NC 28037 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3099716 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 3099/716 |
| Instrument | 641382 |
| Name | AMERICAN NATIONAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | DANVILLE, VA 24541 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 5078 WINDWARD PT, DENVER, NC 28037 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 807 N TRADE ST, WINSTON SALEM, NC 27101-1432 |
| Document Number | 3099729 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 3099/729 |
| Instrument | 641383 |
| Name | AMERICAN NATIONAL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | WINSTON SALEM, NC 27104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jul 23, 2018 |
| Property Address | 5078 WINDWARD PT, DENVER, NC 28037 |
| Document Number | 2757840 |
| Book / Page | 002757 / 000840 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 580911 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,700.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5078 WINDWARD PT DENVER NC 28037, DENVER, NC 28037 |
| Document Number | 2757843 |
|---|---|
| Date | Jul 23, 2018 |
| Book Page | 002757/000843 |
| Instrument | 580912 |
| Name | AMERICAN NATL BK & TR CO |
|---|---|
| Address | DANVILLE, VA 24543-0191 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 22, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
The 2026 property tax bill for 5078 Windward Pt was $12,169, up 0.6% from the year before.
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 | $12,169.00 (+0.64%) | $1,975,658 (-) Land $561,840 Building $1,413,818 | $1,975,658 (-) Land $561,840 Building $1,413,818 |
| 2025 | $12,092.00 | $1,975,658 Land $561,840 Building $1,413,818 | $1,975,658 Land $561,840 Building $1,413,818 |
| 2023 | $11,952.00 | $1,962,293 Land $561,840 Building $1,400,453 | $1,962,293 Land $561,840 Building $1,400,453 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5078 Windward Pt in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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.
The area around 5078 Windward Pt has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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