7900 Howard Ln, Denver, NC 28037 Property Records

Lincoln County property record for 7900 Howard Ln, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,914 sqft · built 1989
Lot Size	0.865 acres (37,679 sqft)
Owner	2 Trust Names on File
Tax Bill	$6,212 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4614-27-3846`

Property Details

APN / Parcel Number

Primary APN	`4614-27-3846`
Alternative APNs	`461405273846` `263964` `32248`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,914 sqft Living Area
Basement Area	1,457 sqft
Unfinished Basement	1,457 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	37,679 sqft (0.865 acres)
Loading Dock	504 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	263964
Street Address	7900 HOWARD LN
City	DENVER
State	NC
Zip	28037-9195
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	WESTPORT 111 24A
Legal Subdivision	WESTPORT
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2016
Census Tract	71203

Owner

7900 Howard Ln is owner-occupied and held in a trust since May 1999.

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

Owner of Record	2 Trust Names on File
Mailing Address	7900 HOWARD LN, DENVER, NC 28037-9195
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK
Aug 28, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK
Sep 8, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 21, 1999
Transfer Doc	0000093746
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7900 HOWARD LN, DENVER, NC 28037-9195
Document Number	2851270
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7900 HOWARD LN DENVER NC 280379195, DENVER, NC 28037-9195

Mortgage

Document Number	2851270
Date	Oct 4, 2019
Book Page	002851/000270
Instrument	598716

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7900 HOWARD LN, DENVER, NC 28037-9195
Document Number	2771582
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Oct 2, 2018
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7900 HOWARD LN DENVER NC 280379195, DENVER, NC 28037-9195

Mortgage

Document Number	2771582
Date	Sep 21, 2018
Book Page	002771/000582
Instrument	583588

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2048

Interest

Rate Type	Adjustable Rate

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Sep 8, 2017
Property Address	7900 HOWARD LN, DENVER, NC 28037-9195
Document Number	2691852
Book / Page	002691 / 000852
Instrument Date	Aug 29, 2017
Instrument	567833
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7900 HOWARD LN DENVER NC 280379195, DENVER, NC 28037-9195

Tax Assessment & Valuation

The 2026 property tax bill for 7900 Howard Ln was $6,212, 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	$6,212.00 (+0.63%)	$997,296 (-) Land $270,818 Building $726,478	$997,296 (-) Land $270,818 Building $726,478
2025	$6,173.00	$997,296 Land $270,818 Building $726,478	$997,296 Land $270,818 Building $726,478
2023	$6,133.00	$997,296 Land $270,818 Building $726,478	$997,296 Land $270,818 Building $726,478

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

Flood

FEMA maps place 7900 Howard 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	5 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 7900 Howard Ln is low, with 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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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