Lincoln County property record for 528 Flat Rock Dr, Denver, NC 28037 · Last verified November 2023
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,565 sqft · built 2016 |
| Lot Size | 0.18 acres (7,884 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $423,500 (May 2017) |
| Tax Bill | $3,114 (2023) |
| Deeds & Mortgages | May 2017 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-64-8038 |
| Primary APN | 3692-64-8038 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,565 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Architectural Style | Custom Design |
| Lot Area | 7,884 sqft (0.18 acres) |
| Pool Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 262599 |
|---|---|
| Street Address | 528 FLAT ROCK DR |
| City | DENVER |
| State | NC |
| Zip | 28037-6104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | #189 LT CAROLINA RIDGE |
| Legal Subdivision | CAROLINA RDG PRCL G/H MAP 1 |
| Legal Lot Number | 189 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 71102 |
Source: Lincoln County records · APN 3692-64-8038
Assessment roll updated January 1, 2023 · Last verified November 2023
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 File |
|---|---|
| Mailing Address | 528 FLAT ROCK DR, DENVER, NC 28037-6104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 16, 2017 · Amount on Record |
| Deed Sale | May 16, 2017 · Amount on Record |
| Deed Document Number | 0002665823 |
| Deed Book / Page | 2665 / 823 |
| Record Updated | Jun 07, 2026 |
| Document Type | Reverse Mortgage |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 16, 2017 |
| Property Address | 528 FLAT ROCK DR, DENVER, NC 28037-6104 |
| Document Number | 2665823 |
| Book / Page | 002665 / 000823 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 562820 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $847.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 528 FLAT ROCK DR DENVER NC 280376104, DENVER, NC 28037-6104 |
| Document Number | 2665840 |
|---|---|
| Date | May 16, 2017 |
| Book Page | 002665/000840 |
| Instrument | 562822 |
| Name | HUD-HOUSING/URBAN DEV |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1056 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.51% |
| Document Number | 2665825, |
|---|---|
| Date | May 16, 2017 |
| Book Page | 002665/000825 |
| Instrument | 562821 |
| Name | REVERSE MTG FNDG |
|---|---|
| Type | Mortgage Company |
| Address | BLOOMFIELD, NJ 07003 |
| Amount | Amount Recorded |
|---|---|
| Term | 1056 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.51% |
Source: Lincoln County records · Assessment roll updated January 1, 2023 · Last verified November 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $3,114.00 | $497,982 Land $75,000 Building $422,982 | $497,982 Land $75,000 Building $422,982 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 2,778 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: 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
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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