8188 Normandy Rd, Denver, NC 28037 Property Records

Lincoln County property record for 8188 Normandy Rd, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,280 sqft · built 1986
Lot Size	0.527 acres (22,956 sqft)
Owner	Individual Name on Record
Last Sale	$1,420,000 (Sep 2026)
Tax Bill	$4,915 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2026 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`4613-34-3340`

Property Details

APN / Parcel Number

Primary APN	`4613-34-3340`
Alternative APNs	`461314343340` `160780` `316542` `29689`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,280 sqft Living Area
Basement Area	1,140 sqft
Finished Basement	593 sqft
Unfinished Basement	547 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	22,956 sqft (0.527 acres)
Loading Dock	240 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	316542
Street Address	8188 NORMANDY RD
City	DENVER
State	NC
Zip	28037-8644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	TRADEWINDS#5 OFF1491
Legal Subdivision	TRADE WINDS
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1002
Census Tract	71202

Owner

Source: Lincoln County records, as of October 1, 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	807 CLARKSON MILL CT, CHARLOTTE, NC 28202-1097
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE
Apr 21, 2026	Warranty Deed, Transfer · Construction Mortgage HOUSEMAX FNDG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2026 · Amount on Record
Deed Sale	Sep 8, 2026 · Amount on Record
Prior Sale	Apr 21, 2026 · Amount on Record
Deed Document Number	2026714782
Deed Book / Page	3535 / 762
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Sep 8, 2026
Property Address	8188 NORMANDY RD, DENVER, NC 28037-8644
Document Number	0000714782
Book / Page	3535 / 762
Instrument Date	Sep 2, 2026
Instrument	2026714782
Transaction Type	Transfer
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286,840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	807 CLARKSON MILL CT, CHARLOTTE, NC 28202-1097

Mortgage

Document Number	0000714783,
Date	Sep 8, 2026
Instrument	2026714783

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Apr 21, 2026
Property Address	8188 NORMANDY RD, DENVER, NC 28037-8644
Document Number	0003496544
Book / Page	3496 / 544
Instrument Date	Apr 20, 2026
Instrument	2026.708471
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	EXECUTIVE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$238,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000708472,
Date	Apr 21, 2026
Book Page	3496/546
Instrument	2026.708472

Lender

Name	HOUSEMAX FNDG LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 1, 2027

Interest

Rate	6%
Max Rate	-1%

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	$4,915.00	$790,684 (-) Land $376,695 Building $413,989	$790,684 (-) Land $376,695 Building $413,989
2025	$4,915.00 (+0.82%)	$790,684 (-) Land $376,695 Building $413,989	$790,684 (-) Land $376,695 Building $413,989
2023	$4,875.00	$790,684 Land $376,695 Building $413,989	$790,684 Land $376,695 Building $413,989

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	2 (2013–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2014 · other causes

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 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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