7965 Bay Pointe Dr, Denver, NC 28037 Property Records

Lincoln County property record for 7965 Bay Pointe Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,714 sqft · built 2004
Lot Size	0.711 acres (30,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$391,000 (Sep 2015)
Tax Bill	$5,357 (2026)
Deeds & Mortgages	Dec 2020 Line of Credit Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4614-39-9443`

Property Details

APN / Parcel Number

Primary APN	`4614-39-9443`
Alternative APNs	`461406399443` `256292` `70831`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,714 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	30,971 sqft (0.711 acres)
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Pool Area	512 sqft
Pool House	1 sqft
Bath House	448 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	256292
Street Address	7965 BAY POINTE DR
City	DENVER
State	NC
Zip	28037-8068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#7 WEST BAY
Legal Subdivision	WEST BAY
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2004
Census Tract	71203

Owner

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	2 Individual Names on Record
Mailing Address	7965 BAY POINTE DR, DENVER, NC 28037-8068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Jan 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage GEORGE MASON MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2015 · Amount on Record
Deed Sale	Sep 25, 2015 · Amount on Record
Prior Sale	Mar 14, 2012 · Amount on Record
Deed Document Number	2015538541
Deed Book / Page	2544 / 918
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7965 BAY POINTE DR, DENVER, NC 28037-8068
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7965 BAY POINTE DR, DENVER, NC 28037-8068

Mortgage

Document Number	0002979986
Date	Dec 1, 2020
Book Page	2979/986
Instrument	620820

Lender

Name	PEOPLES BANK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Nov 24, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	7965 BAY POINTE DR, DENVER, NC 28037-8068
Document Number	27191
Book / Page	002719 / 000001
Instrument Date	Jan 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 31, 2018
Title Company	CH TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7965 BAYPOINTE DR DENVER NC 280378068, DENVER, NC 28037-8068

Mortgage

Document Number	27191
Date	Jan 23, 2018
Book Page	002719/000001
Instrument	573232

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2048

Tax Assessment & Valuation

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	$5,357.00 (+4.75%)	$856,913 (+3.47%) Land $100,000 Building $756,913	$856,913 (+3.47%) Land $100,000 Building $756,913
2023	$5,114.00	$828,201 Land $100,000 Building $728,201	$828,201 Land $100,000 Building $728,201

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

Flood

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	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

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	Under 0.01% 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 188 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay Pointe Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures