5086 Windward Pt, Denver, NC 28037 Property Records

Lincoln County property record for 5086 Windward Pt, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,357 sqft · built 2016
Lot Size	0.615 acres (26,789 sqft)
Owner	2 Trust Names on File
Last Sale	$3,200,000 (Jan 2026)
Tax Bill	$10,086 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`4615-76-7504`

Property Details

APN / Parcel Number

Primary APN	`4615-76-7504`
Alternative APNs	`461512766581` `252378` `315239` `31305`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	16 Rooms
Stories	1 Story
Building Area	4,357 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Lot Area	26,789 sqft (0.615 acres)

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	400 sqft
Loading Dock	130 sqft
Boat Access	Boat Access
Boat House	682 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	315239
Street Address	5086 WINDWARD PT
City	DENVER
State	NC
Zip	28037-5410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	LOT 6 & 6A HARBOR POINT
Legal Subdivision	HARBOR POINT
Legal Lot Number	6A
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3001
Census Tract	71203

Owner

5086 Windward Pt is held in a trust since January 2026.

Source: Lincoln County records, as of August 27, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2031 GOLF COURSE DR, RESTON, VA 20191-3837
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Warranty Deed, Transfer · Commercial Mortgage ROCKET MORTGAGE LLC
Nov 17, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2026 · Amount on File
Deed Sale	Jan 9, 2026 · Amount on File
Prior Sale	Aug 1, 2014 · Amount on File
Deed Document Number	2026704197
Deed Book / Page	3469 / 809
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jan 9, 2026
Property Address	5086 WINDWARD PT, DENVER, NC 28037-5410
Document Number	0003469809
Book / Page	3469 / 809
Map Reference	MB F PG 497
Instrument Date	Jan 9, 2026
Instrument	704197
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	BARRISTER TITLE SERVICES, BARRISTERS TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1735, DENVER, NC 28037-1735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2031 GOLF COURSE DR, RESTON, VA 20191-3837

Mortgage

Document Number	0000704198
Date	Jan 9, 2026
Instrument	704198

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.75%
Index	SOFR Average 30-Day
Margin	3
Max Rate	9.75%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	5086 WINDWARD PT, DENVER, NC 28037-5410
Document Number	2708801
Book / Page	002708 / 000801
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Dec 11, 2017
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5086 WINDWARD PT DENVER NC 280375410, DENVER, NC 28037-5410

Mortgage

Document Number	2708801
Date	Nov 29, 2017
Book Page	002708/000801
Instrument	571145

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 28, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 5086 Windward Pt was $10,086, up 0.6% from the year before.

Source: Lincoln County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Lincoln County
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,086.00 (+0.64%)	$1,633,530 (-) Land $486,760 Building $1,146,770	$1,633,530 (-) Land $486,760 Building $1,146,770
2025	$10,022.00	$1,633,530 Land $486,760 Building $1,146,770	$1,633,530 Land $486,760 Building $1,146,770
2023	$9,970.00	$1,633,530 Land $486,760 Building $1,146,770	$1,633,530 Land $486,760 Building $1,146,770

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

Flood

FEMA maps place 5086 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.

Wildfire

Wildfire risk around 5086 Windward Pt is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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