7748 Harbor Ln, Denver, NC 28037 Property Records

Lincoln County property record for 7748 Harbor Ln, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,529 sqft · built 2020
Lot Size	0.743 acres (32,365 sqft)
Owner	2 Individual Names on File
Last Sale	$3,025,000 (May 2026)
Tax Bill	$8,968 (2026)
Deeds & Mortgages	May 2026 Sale Sep 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4615-76-9005`

Property Details

APN / Parcel Number

Primary APN	`4615-76-9005`
Alternative APNs	`461512769005` `171042` `316788` `34020`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,529 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Lot Area	32,365 sqft (0.743 acres)
Loading Dock	230 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	316788
Street Address	7748 HARBOR LN
City	DENVER
State	NC
Zip	28037-9426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	PR TAYLOR#2 RD 1378
Legal Subdivision	DR PRESTON R TAYLOR PROP
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3001
Census Tract	71203

Owner

7748 Harbor Ln is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	7748 HARBOR LN, DENVER, NC 28037-9426
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
May 4, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 12, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Aug 26, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO
Feb 13, 2020	Warranty Deed, Transfer · Line of Credit BLUEHARBOR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Feb 13, 2020 · Amount on File
Deed Document Number	2026709110
Deed Book / Page	3500 / 436
Prior Transfer Date	Apr 14, 2025
Prior Transfer Doc	0003400163
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	May 4, 2026
Property Address	7748 HARBOR LN, DENVER, NC 28037-9426
Document Number	0000709110
Book / Page	3500 / 436
Instrument Date	May 4, 2026
Instrument	2026.709110
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$611,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7748 HARBOR LN, DENVER, NC 28037-9426
Investor	Possibly a Property Investor

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7748 HARBOR LN, DENVER, NC 28037-9426
Transaction Type	Mortgage
Record Updated	Sep 26, 2023
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7748 HARBOR LN, DENVER, NC 28037-9426

Mortgage

Document Number	0003276186
Date	Sep 12, 2023
Book Page	3276/186
Instrument	671811

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7748 HARBOR LN, DENVER, NC 28037-9426
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003068522
Date	Aug 2, 2021
Book Page	3068/522
Instrument	636067

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7748 HARBOR LN, DENVER, NC 28037-9426
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002943475
Date	Aug 26, 2020
Book Page	2943/475
Instrument	614714

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 7, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.99%
Index	1-Year LIBOR
Max Rate	7.99%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 13, 2020
Property Address	7748 HARBOR LN, DENVER, NC 28037-9426
Document Number	2882494
Book / Page	002882 / 000494
Instrument Date	Feb 13, 2020
Instrument	604440
Transaction Type	Transfer
Record Updated	Mar 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,180.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4273 STORMY POINTE CT DENVER NC 280377311, DENVER, NC 28037-7311

Mortgage

Document Number	2882497
Date	Feb 13, 2020
Book Page	002882/000497
Instrument	604441

Lender

Name	BLUEHARBOR BK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 7748 Harbor Ln was $8,968, 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	$8,968.00 (+0.63%)	$1,449,957 (-) Land $476,608 Building $973,349	$1,449,957 (-) Land $476,608 Building $973,349
2025	$8,912.00	$1,449,957 Land $476,608 Building $973,349	$1,449,957 Land $476,608 Building $973,349
2023	$8,863.00	$1,449,957 Land $476,608 Building $973,349	$1,449,957 Land $476,608 Building $973,349

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 7748 Harbor Ln 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	3 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

Wildfire risk around 7748 Harbor Ln 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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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