7115 Windy Pine Cir, Denver, NC 28037 Property Records

Lincoln County property record for 7115 Windy Pine Cir, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,942 sqft · built 2001
Lot Size	1.1 acres (48,308 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Mar 2022)
Tax Bill	$3,160 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`4605-44-4686`

Property Details

APN / Parcel Number

Primary APN	`4605-44-4686`
Alternative APNs	`460514444686` `290072` `76791`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,942 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	48,308 sqft (1.1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	290072
Street Address	7115 WINDY PINE CIR
City	DENVER
State	NC
Zip	28037-9360
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#17A ISLE OF PINES SUB
Legal Subdivision	ISLE PINES
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1020
Census Tract	71203

Owner

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	7115 WINDY PINE CIR, DENVER, NC 28037-9360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Warranty Deed, Transfer · Conventional Mortgage RAPID MORTGAGE COMPANY
Aug 20, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2022 · Amount on Record
Deed Sale	Mar 24, 2022 · Amount on Record
Prior Sale	Aug 27, 2014 · Amount on Record
Deed Document Number	2022649567
Deed Book / Page	3149 / 286
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Mar 24, 2022
Property Address	7115 WINDY PINE CIR, DENVER, NC 28037-9360
Document Number	0003149286
Book / Page	3149 / 286
Map Reference	MB 11 PG 255
Instrument Date	Mar 24, 2022
Instrument	649567
Transaction Type	Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	786 HOMESTEAD LANE, 786, DENVER, NC 28037

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7115 WINDY PINE CIR, DENVER, NC 28037-9360

Mortgage

Document Number	0000649568
Date	Mar 24, 2022
Instrument	649568

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7115 WINDY PINE CIR, DENVER, NC 28037-9360
Document Number	2765626
Instrument Date	Aug 20, 2018
Transaction Type	Mortgage
Record Updated	Sep 6, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7115 WINDY PINE CIR DENVER NC 280379360, DENVER, NC 28037-9360

Mortgage

Document Number	2765626
Date	Aug 27, 2018
Book Page	002765/000626
Instrument	582443

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$3,160.00 (+1.58%)	$496,060 (-) Land $98,000 Building $398,060	$496,060 (-) Land $98,000 Building $398,060
2023	$3,111.00	$496,060 Land $98,000 Building $398,060	$496,060 Land $98,000 Building $398,060

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

Flood

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

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 66 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

May also be available: AT&T.

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