7435 Windy Pine Cir, Denver, NC 28037 Property Records

Lincoln County property record for 7435 Windy Pine Cir, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,308 sqft · built 2015
Lot Size	0.846 acres (36,852 sqft)
Owner	2 Individual Names on Record
Last Sale	$49,000 (Feb 2015)
Tax Bill	$4,321 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`4605-74-0462`

Property Details

APN / Parcel Number

Primary APN	`4605-74-0462`
Alternative APNs	`254853` `90329`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,308 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Custom Design
Lot Area	36,852 sqft (0.846 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	254853
Street Address	7435 WINDY PINE CIR
City	DENVER
State	NC
Zip	28037-9363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	PT#33B LT MARC E HAYES
Legal Subdivision	MARC E HAYES
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	7435 WINDY PINE CIR, DENVER, NC 28037-9363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jan 31, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2015 · Amount on Record
Deed Sale	Feb 18, 2015 · Amount on Record
Deed Document Number	2015530160
Deed Book / Page	2503 / 470
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7435 WINDY PINE CIR, DENVER, NC 28037-9363
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002970337
Date	Nov 3, 2020
Book Page	2970/337
Instrument	619159

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7435 WINDY PINE CIR, DENVER, NC 28037-9363
Document Number	2881826
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7435 WINDY PINE CIR DENVER NC 280379363, DENVER, NC 28037-9363

Mortgage

Document Number	2881826
Date	Feb 11, 2020
Book Page	002881/000826
Instrument	604312

Lender

Name	TRUIST BK
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2050

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	$4,321.00 (+0.63%)	$686,688 (-) Land $93,100 Building $593,588	$686,688 (-) Land $93,100 Building $593,588
2025	$4,294.00 (+7.75%)	$686,688 (+7.12%) Land $93,100 Building $593,588	$686,688 (+7.12%) Land $93,100 Building $593,588
2023	$3,985.00	$641,038 Land $93,100 Building $547,938	$641,038 Land $93,100 Building $547,938

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
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

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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