7581 Bluff Point Ln, Denver, NC 28037 Property Records

Lincoln County property record for 7581 Bluff Point Ln, Denver, NC 28037

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,716 sqft · built 2003
Lot Size	0.034 acres (1,481 sqft)
Owner	Individual Name on Record
Last Sale	$166,000 (Oct 2017)
Tax Bill	$1,895 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4602-41-8552`

Property Details

APN / Parcel Number

Primary APN	`4602-41-8552`
Alternative APNs	`460200418552` `264235` `80358`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,716 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	1,481 sqft (0.034 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	264235
Street Address	7581 BLUFF POINT LN
City	DENVER
State	NC
Zip	28037-7580
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	ELDD PD-MU
Legal Description	#22BLDG#50UNIT THE BLUFFS
Legal Subdivision	THE WATERSIDE CROSSING TOWNHOMES
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2014
Census Tract	71102

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	Individual Name on Record
Mailing Address	7581 BLUFF POINT LN, DENVER, NC 28037-7580
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
Oct 2, 2017	Grant Deed, Transfer · Conventional with PMI FIRST FSB/LINCOLNTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2017 · Amount on Record
Deed Sale	Oct 2, 2017 · Amount on Record
Prior Sale	Jul 2, 2003 · Amount on Record
Deed Document Number	2017568857
Deed Book / Page	2696 / 969
Prior Transfer Date	Feb 11, 2011
Prior Transfer Doc	22360358
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7581 BLUFF POINT LN, DENVER, NC 28037-7580
Transaction Type	Mortgage
Record Updated	Jul 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 776, LINCOLNTON, NC 28093-0776

Mortgage

Document Number	0003176288
Date	Jun 27, 2022
Book Page	3176/288
Instrument	654220

Lender

Name	FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
Type	Bank
Address	LINCOLNTON, NC 28092

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 2, 2017
Property Address	7581 BLUFF POINT LN, DENVER, NC 28037-7580
Document Number	2696969
Book / Page	002696 / 000969
Instrument Date	Oct 2, 2017
Instrument	568857
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 776 LINCOLNTON NC 280930776, LINCOLNTON, NC 28093-0776

Mortgage

Document Number	2696971
Date	Oct 2, 2017
Book Page	002696/000971
Instrument	568858

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

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	$1,895.00	$290,603 (-) Land $27,000 Building $263,603	$290,603 (-) Land $27,000 Building $263,603
2025	$1,895.00 (+1.5%)	$290,603 (-) Land $27,000 Building $263,603	$290,603 (-) Land $27,000 Building $263,603
2023	$1,867.00	$290,603 Land $27,000 Building $263,603	$290,603 Land $27,000 Building $263,603

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	2 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fixed Wireless	100 / 20

May also be available: Spectrum, T-Mobile, Verizon.

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