7286 James Ct, Denver, NC 28037 Property Records

Catawba County property record for 7286 James Ct, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,185 sqft · built 2015
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on File
Last Sale	$57,500 (Aug 2014)
Tax Bill	$3,540 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Feb 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4606-01-35-3632`

Property Details

APN / Parcel Number

Primary APN	`4606-01-35-3632`
Alternative APN	`0803127`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,185 sqft Living Area
1st Floor Area	3,198 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Brick
Foundation Type	No Foundation
Lot Area	49,223 sqft (1.13 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	779 sqft
Porch	Porch
Porch Area	459 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	7286 JAMES CT
City	DENVER
State	NC
Zip	28037-7842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-30
Legal Description	LOT 213 PLAT 65-147
Legal Subdivision	PEBBLE BAY PH 5
Legal Lot Number	213
Jurisdiction	CATAWBA NC
Township / Civil Division	MOUNTAIN CREEK
Census Block Group	2
Census Block	2028
Census Tract	11506

Owner

7286 James Ct is owned by two individuals who bought it in August 2014.

Source: Catawba County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7288 JAMES CT, DENVER, NC 28037-7842
Owner Type	Individual

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
Feb 22, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Feb 22, 2022	Deed of Trust, Mortgage · VA Mortgage NORTHPOINTE BANK
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 29, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 15, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 13, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2014 · Amount on File
Deed Sale	Aug 11, 2014 · Amount on File
Prior Sale	Jul 31, 2007 · Amount on File
Deed Document Number	201412063
Deed Book / Page	3252 / 808
Prior Transfer Date	Feb 25, 2009
Prior Transfer Doc	0029560971
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	7286 JAMES CT, DENVER, NC 28037-7842
Transaction Type	Mortgage
Record Updated	Apr 1, 2024
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7286 JAMES CT, DENVER, NC 28037-7842

Mortgage

Document Number	0038561737
Date	Feb 22, 2024
Book Page	3856/1737
Instrument	3093

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	7286 JAMES CT, DENVER, NC 28037-7842
Transaction Type	Mortgage
Record Updated	Nov 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037250579
Date	Feb 22, 2022
Book Page	3725/579
Instrument	3962

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	7286 JAMES CT, DENVER, NC 28037-7842
Transaction Type	Mortgage
Record Updated	Nov 28, 2022
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037610701
Date	Aug 8, 2022
Book Page	3761/701
Instrument	17370

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	DENVER, NC 28037

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	7286 JAMES CT, DENVER, NC 28037-7842
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036230269
Date	Dec 29, 2020
Book Page	3623/269
Instrument	26968

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	7286 JAMES CT, DENVER, NC 28037-7842
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036331738
Date	Feb 15, 2021
Book Page	3633/1738
Instrument	3336

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATAWBA NC
Property Address	7286 JAMES CT, DENVER, NC 28037-7842
Document Number	0035270745
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7286 JAMES CT DENVER NC 280377842, DENVER, NC 28037-7842

Mortgage

Document Number	0035270745
Date	Sep 17, 2019
Book Page	003527/000745
Instrument	16238

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 7286 James Ct was $3,540, down 19.1% from the year before.

Source: Catawba County assessment roll, as of August 3, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$888,300 (-) Land $72,500 Building $815,800
2025	$3,540.00 (-19.07%)	$888,300 Land $72,500 Building $815,800
2024	$4,374.00 (+4.02%)
2023	$4,205.00	$503,200 Land $47,500 Building $455,700	$888,300 Land $72,500 Building $815,800

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

Flood

FEMA maps place 7286 James Ct 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 September 1, 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	7 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 7286 James Ct 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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.02% 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	PEBBLE BAY private · serves 587 people · EPA ID NC2018008
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	10 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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