7395 Windy Pine Cir, Denver, NC 28037 Property Records

Lincoln County property record for 7395 Windy Pine Cir, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,405 sqft · built 2002
Lot Size	0.687 acres (29,926 sqft)
Owner	2 Individual Names on File
Last Sale	$326,000 (Aug 2017)
Tax Bill	$3,626 (2026)
Deeds & Mortgages	Sep 2021 Second Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4605-64-7502`

Property Details

APN / Parcel Number

Primary APN	`4605-64-7502`
Alternative APNs	`254658` `76818`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,405 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	29,926 sqft (0.687 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	254658
Street Address	7395 WINDY PINE CIR
City	DENVER
State	NC
Zip	28037-9362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#11 LOT HARBOR WATCH SUB
Legal Subdivision	HARBOR WATCH
Legal Lot Number	11
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1020
Census Tract	71203

Owner

7395 Windy Pine Cir is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	7395 WINDY PINE CIR, DENVER, NC 28037-9362
Occupancy	Owner Occupied
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
Sep 30, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIFTH THIRD BANK NA
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP
Aug 28, 2017	Warranty Deed, Transfer · Conventional with PMI MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2017 · Amount on File
Deed Sale	Aug 28, 2017 · Amount on File
Prior Sale	Jun 19, 2015 · Amount on File
Deed Document Number	2017567238
Deed Book / Page	2688 / 537
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7395 WINDY PINE CIR, DENVER, NC 28037-9362
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7395 WINDY PINE CIR, DENVER, NC 28037-9362

Mortgage

Document Number	0003090467
Date	Sep 30, 2021
Book Page	3090/467
Instrument	639786

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 25, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7395 WINDY PINE CIR, DENVER, NC 28037-9362
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002949734
Date	Sep 11, 2020
Book Page	2949/734
Instrument	615711

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Aug 28, 2017
Property Address	7395 WINDY PINE CIR, DENVER, NC 28037-9362
Document Number	2688537
Book / Page	002688 / 000537
Instrument Date	Aug 24, 2017
Instrument	567238
Transaction Type	Transfer
Record Updated	Sep 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$652.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7395 WINDY PINE CIR DENVER NC 280379362, DENVER, NC 28037-9362

Mortgage

Document Number	2688542
Date	Aug 28, 2017
Book Page	002688/000542
Instrument	567239

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 7395 Windy Pine Cir was $3,626.

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	$3,626.00	$572,518 Land $80,000 Building $492,518	$572,518 Land $80,000 Building $492,518
2023	$3,438.00	$550,410 Land $80,000 Building $470,410	$550,410 Land $80,000 Building $470,410

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

Flood

FEMA maps place 7395 Windy Pine Cir 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 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	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 7395 Windy Pine Cir is low, with less than a 0.01% 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	Under 0.01% 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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