7490 Windy Pine Cir, Denver, NC 28037 Property Records

Lincoln County property record for 7490 Windy Pine Cir, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,272 sqft · built 2000
Lot Size	0.945 acres (41,164 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Apr 2000)
Tax Bill	$4,587 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`4605-74-1553`

Property Details

APN / Parcel Number

Primary APN	`4605-74-1553`
Alternative APNs	`460515741423` `242901` `76769`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,272 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	41,164 sqft (0.945 acres)
Loading Dock	682 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	242901
Street Address	7490 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	#33A LT MARC E HAYES
Legal Subdivision	SANDPIPER BAY
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1001
Census Tract	71203

Owner

Source: Lincoln County records, as of August 12, 2025

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	7490 WINDY PINE CIR, DENVER, NC 28037-9363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Feb 28, 2022	Deed of Trust, Mortgage · Line of Credit COGENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2000 · Amount on Record
Deed Sale	Apr 24, 2000 · Amount on Record
Prior Sale	Dec 9, 1999 · Amount on Record
Deed Book / Page	1170 / 234
Last Transfer Date	Nov 7, 2012
Transfer Doc	0023660062
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7490 WINDY PINE CIR, DENVER, NC 28037-9363
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003131454
Date	Jan 28, 2022
Book Page	3131/454
Instrument	646621

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

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

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7490 WINDY PINE CIR, DENVER, NC 28037-9363
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003140557
Date	Feb 28, 2022
Book Page	3140/557
Instrument	648137

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 9, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 12, 2025

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
2025	$4,587.00 (+0.77%)	$735,068 (-) Land $215,690 Building $519,378	$735,068 (-) Land $215,690 Building $519,378
2023	$4,552.00	$735,068 Land $215,690 Building $519,378	$735,068 Land $215,690 Building $519,378

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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