7046 Pine Ridge Dr, Denver, NC 28037 Property Records

Lincoln County property record for 7046 Pine Ridge Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,635 sqft · built 2003
Lot Size	0.568 acres (24,742 sqft)
Owner	2 Individual Names on File
Last Sale	$189,500 (Apr 2004)
Tax Bill	$2,785 (2026)
Deeds & Mortgages	Jul 2023 Transfer Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4605-45-4313`

Property Details

APN / Parcel Number

Primary APN	`4605-45-4313`
Alternative APNs	`460510454313` `236704` `297797` `76784`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,635 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Construction Type	Concrete
Lot Area	24,742 sqft (0.568 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	297797
Street Address	7046 PINE RIDGE DR
City	DENVER
State	NC
Zip	28037-9379
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#10 ISLE OF PINES SUB
Legal Subdivision	ISLE OF PINES
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1020
Census Tract	71203

Owner

7046 Pine Ridge Dr is owned and occupied by two individuals who acquired it in June 2023.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	7046 PINE RIDGE DR, DENVER, NC 28037-9379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2023	Intrafamily Transfer, Transfer
Aug 18, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 9, 2018	Deed of Trust, Mortgage · Conventional with PMI FIRST FSB/LINCOLNTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2004 · Amount on File
Deed Sale	Apr 16, 2004 · Amount on File
Prior Sale	May 12, 2003 · Amount on File
Deed Book / Page	1580 / 465
Last Transfer Date	Jun 20, 2023
Transfer Doc	0003261708
Record Updated	Oct 29, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	Jul 6, 2023
Property Address	7046 PINE RIDGE DR, DENVER, NC 28037-9379
Document Number	0003261708
Book / Page	3261 / 708
Map Reference	MB 10 PG 126
Instrument Date	Jun 20, 2023
Instrument	669235
Transaction Type	Transfer
Record Updated	Jul 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7046 PINE RIDGE DR, DENVER, NC 28037-9379

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7046 PINE RIDGE DR, DENVER, NC 28037-9379

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7046 PINE RIDGE DR, DENVER, NC 28037-9379
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7046 PINE RIDGE DR, DENVER, NC 28037-9379

Mortgage

Document Number	3074211
Date	Aug 18, 2021
Book Page	3074/211
Instrument	637037

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7046 PINE RIDGE DR, DENVER, NC 28037-9379
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2968674
Date	Oct 30, 2020
Book Page	2968/674
Instrument	618885

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7046 PINE RIDGE DR, DENVER, NC 28037-9379
Document Number	2736372
Instrument Date	Apr 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7046 PINE RIDGE DR DENVER NC 280379379, DENVER, NC 28037-9379

Mortgage

Document Number	2736372
Date	Apr 13, 2018
Book Page	002736/000372
Instrument	576644

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092-3398

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 7046 Pine Ridge Dr was $2,785, 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	$2,785.00 (+0.61%)	$434,461 (-) Land $68,000 Building $366,461	$434,461 (-) Land $68,000 Building $366,461
2025	$2,768.00	$434,461 Land $68,000 Building $366,461	$434,461 Land $68,000 Building $366,461
2023	$2,739.00 (+47.26%)	$434,461 (+80.7%) Land $68,000 Building $366,461	$434,461 (+80.7%) Land $68,000 Building $366,461
2022	$1,860.00	$240,427 Land $55,000 Building $185,427	$240,427 Land $55,000 Building $185,427

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

Flood

FEMA maps place 7046 Pine Ridge Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2008–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2020 · rainfall accumulation

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 7046 Pine Ridge Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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