7695 Windy Pine Cir, Denver, NC 28037 Property Records

Lincoln County property record for 7695 Windy Pine Cir, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,472 sqft · built 2001
Lot Size	0.718 acres (31,276 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jul 2007)
Tax Bill	$2,752 (2026)
Deeds & Mortgages	Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`4605-75-5370`

Property Details

APN / Parcel Number

Primary APN	`4605-75-5370`
Alternative APNs	`460512755370` `205041` `76755`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,472 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Custom Design
Construction Type	Concrete
Lot Area	31,276 sqft (0.718 acres)
Pool Area	364 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	205041
Street Address	7695 WINDY PINE CIR
City	DENVER
State	NC
Zip	28037-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#20 SANDPIPER BAY SECT I
Legal Subdivision	SANDPIPER BAY
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1016
Census Tract	71203

Owner

7695 Windy Pine Cir is owned and occupied by an individual who acquired it in October 2014.

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

Owner of Record	Individual Name on File
Mailing Address	7695 WINDY PINE CIR, DENVER, NC 28037-9365
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2007 · Amount on File
Deed Sale	Jul 31, 2007 · Amount on File
Prior Sale	Oct 13, 2004 · Amount on File
Deed Document Number	200712313
Deed Book / Page	1952 / 616
Last Transfer Date	Oct 31, 2014
Transfer Doc	0024860848
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7695 WINDY PINE CIR, DENVER, NC 28037-9365
Document Number	2810577
Instrument Date	Mar 13, 2019
Transaction Type	Mortgage
Record Updated	May 1, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7695 WINDY PINE CIR DENVER NC 280379365, DENVER, NC 28037-9365

Mortgage

Document Number	2810577
Date	Apr 22, 2019
Book Page	002810/000577
Instrument	591453

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 7695 Windy Pine Cir was $2,752, up 0.6% from the year before.

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	$2,752.00 (+0.62%)	$429,001 (-) Land $89,400 Building $339,601	$429,001 (-) Land $89,400 Building $339,601
2025	$2,735.00	$429,001 Land $89,400 Building $339,601	$429,001 Land $89,400 Building $339,601
2023	$2,706.00	$429,001 Land $89,400 Building $339,601	$429,001 Land $89,400 Building $339,601

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

Flood

FEMA maps place 7695 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 7695 Windy Pine Cir 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20