Lincoln County property record for 7859 Cove Side Dr, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,373 sqft · built 2004 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Jan 2017) |
| Tax Bill | $3,447 (2026) |
| Deeds & Mortgages | Nov 2019 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4603-69-9628 |
| Primary APN | 4603-69-9628 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,373 sqft Living Area |
| Basement Area | 1,483 sqft |
| Finished Basement | 1,097 sqft |
| Unfinished Basement | 386 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Custom Design |
| Construction Type | Concrete |
| Lot Area | 17,860 sqft (0.41 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 261618 |
|---|---|
| Street Address | 7859 COVE SIDE DR |
| City | DENVER |
| State | NC |
| Zip | 28037-7006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-MU |
| Legal Description | #175 LOT SMITHSTONE SUB |
| Legal Subdivision | SMITHSTONE |
| Legal Lot Number | 175 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 71202 |
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 | 7859 COVE SIDE DR, DENVER, NC 28037-7006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Jan 26, 2017 | Warranty Deed, Transfer · Conventional with PMI ALLEN TATE MTG PTRS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 26, 2017 · Amount on Record |
| Deed Sale | Jan 26, 2017 · Amount on Record |
| Prior Sale | Dec 3, 2007 · Amount on Record |
| Deed Document Number | 2017558075 |
| Deed Book / Page | 2643 / 17 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 7859 COVE SIDE DR, DENVER, NC 28037-7006 |
| Document Number | 2864970 |
| Instrument Date | Nov 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 7859 COVE SIDE DR DENVER NC 280377006, DENVER, NC 28037-7006 |
| Document Number | 2864970 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 002864/000970 |
| Instrument | 601157 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 26, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jan 26, 2017 |
| Property Address | 7859 COVE SIDE DR, DENVER, NC 28037-7006 |
| Document Number | 264317 |
| Book / Page | 002643 / 000017 |
| Instrument Date | Jan 26, 2017 |
| Instrument | 558075 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $650.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7859 COVE SIDE DR DENVER NC 280377006, DENVER, NC 28037-7006 |
| Document Number | 264319 |
|---|---|
| Date | Jan 26, 2017 |
| Book Page | 002643/000019 |
| Instrument | 558076 |
| Name | ALLEN TATE MTG PTRS LLC |
|---|---|
| Address | CHARLOTTE, NC 28262 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 25, 2047 |
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,447.00 (+1%) | $547,654 (-) Land $64,000 Building $483,654 | $547,654 (-) Land $64,000 Building $483,654 |
| 2023 | $3,413.00 | $547,654 Land $64,000 Building $483,654 | $547,654 Land $64,000 Building $483,654 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 7 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.
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 | 0.03% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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