Lincoln County property record for 5096 Windward Pt, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,108 sqft · built 1997 |
| Lot Size | 0.638 acres (27,791 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $324,200 (Sep 1997) |
| Tax Bill | $7,101 (2026) |
| Deeds & Mortgages | Jun 2023 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4615-76-6624 |
| Primary APN | 4615-76-6624 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 2,108 sqft Living Area |
| Basement Area | 2,108 sqft |
| Finished Basement | 1,897 sqft |
| Unfinished Basement | 211 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 27,791 sqft (0.638 acres) |
| Pool Area | 648 sqft |
| Boat Access | Boat Access |
| Boat House | 696 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 259665 |
|---|---|
| Street Address | 5096 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 5 HARBOR POINT |
| Legal Subdivision | HARBOR POINT |
| Legal Lot Number | 5 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 71203 |
Source: Lincoln County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5096 WINDWARD PT, DENVER, NC 28037-5410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Also Known As (AKA) |
| Date | Document |
|---|---|
| Jun 16, 2023 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 1997 · Amount on Record |
| Deed Sale | Sep 4, 1997 · Amount on Record |
| Deed Book / Page | 1005 / 826 |
| Last Transfer Date | Aug 27, 2016 |
| Transfer Doc | 26120542 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 5096 WINDWARD PT, DENVER, NC 28037-5410 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2023 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 5096 WINDWARD PT, DENVER, NC 28037-5410 |
| Document Number | 0003257366 |
|---|---|
| Date | Jun 16, 2023 |
| Book Page | 3257/366 |
| Instrument | 668461 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 5096 WINDWARD PT, DENVER, NC 28037-5410 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 2993152 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 2993/152 |
| Instrument | 623085 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 1, 2050 |
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 | $7,101.00 (+0.64%) | $1,143,219 (-) Land $514,469 Building $628,750 | $1,143,219 (-) Land $514,469 Building $628,750 |
| 2025 | $7,056.00 (+0.61%) | $1,143,219 (-) Land $514,469 Building $628,750 | $1,143,219 (-) Land $514,469 Building $628,750 |
| 2023 | $7,013.00 | $1,143,219 Land $514,469 Building $628,750 | $1,143,219 Land $514,469 Building $628,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% 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.
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 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 |
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