8111 Bay Pointe Dr, Denver, NC 28037 Property Records

Lincoln County property record for 8111 Bay Pointe Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,647 sqft · built 1997
Lot Size	0.516 acres (22,477 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Apr 2012)
Tax Bill	$6,930 (2026)
Deeds & Mortgages	Mar 2021 Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`4614-48-9457`

Property Details

APN / Parcel Number

Primary APN	`4614-48-9457`
Alternative APNs	`461406489457` `220434` `70856`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,647 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Cape Cod
Construction Type	Concrete
Lot Area	22,477 sqft (0.516 acres)
Loading Dock	667 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	220434
Street Address	8111 BAY POINTE DR
City	DENVER
State	NC
Zip	28037-8070
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#33 WEST BAY
Legal Subdivision	WEST BAY
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	2
Census Block	2019
Census Tract	71203

Owner

8111 Bay Pointe Dr is owned and occupied by two individuals who bought it in April 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	8111 BAY POINTE DR, DENVER, NC 28037-8070
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
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 18, 2017	Deed of Trust, Mortgage · Line of Credit PEOPLES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2012 · Amount on File
Deed Sale	Apr 16, 2012 · Amount on File
Prior Sale	Jul 11, 1996 · Amount on File
Deed Document Number	20124010
Deed Book / Page	2309 / 352
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8111 BAY POINTE DR, DENVER, NC 28037-8070
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3025371
Date	Mar 30, 2021
Book Page	3025/371
Instrument	628362

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8111 BAY POINTE DR, DENVER, NC 28037-8070
Document Number	2667391
Instrument Date	May 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8111 BAYPOINTE DR DENVER NC 280378070, DENVER, NC 28037-8070

Mortgage

Document Number	2667391
Date	May 23, 2017
Book Page	002667/000391
Instrument	563141

Lender

Name	PEOPLES BK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 22, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 8111 Bay Pointe Dr was $6,930.

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	$6,930.00	$1,115,253 Land $490,696 Building $624,557	$1,115,253 Land $490,696 Building $624,557
2023	$6,807.00	$1,108,987 Land $490,696 Building $618,291	$1,108,987 Land $490,696 Building $618,291

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

Flood

FEMA maps place 8111 Bay Pointe Dr in Zone X, an area of minimal flood risk, within 100 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 100 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

The area around 8111 Bay Pointe Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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