7857 Windy Pine Cir, Denver, NC 28037 Property Records

Lincoln County property record for 7857 Windy Pine Cir, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 2002
Lot Size	2.28 acres (99,447 sqft)
Owner	2 Individual Names on File
Last Sale	$239,000 (Jun 2019)
Tax Bill	$2,582 (2026)
Deeds & Mortgages	Apr 2020 Line of Credit Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4605-75-2982`

Property Details

APN / Parcel Number

Primary APN	`4605-75-2982`
Alternative APNs	`460511752982` `273133` `76745`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	99,447 sqft (2.28 acres)
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	273133
Street Address	7857 WINDY PINE CIR
City	DENVER
State	NC
Zip	28037-9367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#10 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

7857 Windy Pine Cir is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	7857 WINDY PINE CIR, DENVER, NC 28037-9367
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
Apr 6, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 13, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BK & TR CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2019 · Amount on File
Deed Sale	Jun 13, 2019 · Amount on File
Prior Sale	Aug 18, 2006 · Amount on File
Deed Document Number	2019593688
Deed Book / Page	2823 / 501
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7857 WINDY PINE CIR, DENVER, NC 28037-9367
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2896153
Date	Apr 6, 2020
Book Page	2896/153
Instrument	606833

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 13, 2019
Property Address	7857 WINDY PINE CIR, DENVER, NC 28037-9367
Document Number	2823501
Book / Page	002823 / 000501
Instrument Date	Jun 11, 2019
Instrument	593688
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7857 WINDY PINE CIR DENVER NC 280379367, DENVER, NC 28037-9367

Mortgage

Document Number	2823503
Date	Jun 13, 2019
Book Page	002823/000503
Instrument	593689

Lender

Name	FIRST CITIZENS BK & TR CO
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 12, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 7857 Windy Pine Cir was $2,582.

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	$2,582.00	$401,146 Land $91,396 Building $309,750	$401,146 Land $91,396 Building $309,750
2023	$2,538.00	$401,146 Land $91,396 Building $309,750	$401,146 Land $91,396 Building $309,750

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

Flood

FEMA maps place 7857 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 7857 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	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 120 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

May also be available: AT&T.

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