8221 Bay Pointe Dr, Denver, NC 28037 Property Records

Lincoln County property record for 8221 Bay Pointe Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,310 sqft · built 1998
Lot Size	0.583 acres (25,395 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,160,000 (Jun 2007)
Tax Bill	$9,730 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4614-58-9340`

Property Details

APN / Parcel Number

Primary APN	`4614-58-9340`
Alternative APNs	`461407589340` `204087` `70865`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,310 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Historical
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	25,395 sqft (0.583 acres)

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	684 sqft
Loading Dock	600 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	204087
Street Address	8221 BAY POINTE DR
City	DENVER
State	NC
Zip	28037-8073
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#42 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

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	8221 BAY POINTE DR, DENVER, NC 28037-8073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed of Trust, Mortgage · Line of Credit NORTH COUNTRY FCU
Oct 24, 2025	Deed of Trust, Mortgage · Line of Credit NORTH COUNTRY FCU
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH COUNTRY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2007 · Amount on Record
Deed Sale	Jun 13, 2007 · Amount on Record
Prior Sale	Dec 20, 1999 · Amount on Record
Deed Document Number	20079566
Deed Book / Page	1937 / 38
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8221 BAY POINTE DR, DENVER, NC 28037-8073
Transaction Type	Mortgage
Record Updated	Mar 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003486803
Date	Mar 19, 2026
Book Page	3486/803
Instrument	706921

Lender

Name	NORTH COUNTRY FCU
Type	Credit Union
Address	SOUTH BURLINGTON, VT 05403

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	143 Months
Due	Jan 31, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8221 BAY POINTE DR, DENVER, NC 28037-8073
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003449681
Date	Oct 24, 2025
Book Page	3449/681
Instrument	701091

Lender

Name	NORTH COUNTRY FCU
Type	Credit Union
Address	SOUTH BURLINGTON, VT 05403

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Sep 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8221 BAY POINTE DR, DENVER, NC 28037-8073
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3005314
Date	Feb 11, 2021
Book Page	3005/314
Instrument	625067

Lender

Name	NORTH COUNTRY FCU
Type	Credit Union
Address	SOUTH BURLINGTON, VT 05403

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

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	$9,730.00 (+0.63%)	$1,575,106 (-) Land $522,087 Building $1,053,019	$1,575,106 (-) Land $522,087 Building $1,053,019
2025	$9,669.00 (+0.54%)	$1,575,106 (-) Land $522,087 Building $1,053,019	$1,575,106 (-) Land $522,087 Building $1,053,019
2023	$9,617.00	$1,575,106 Land $522,087 Building $1,053,019	$1,575,106 Land $522,087 Building $1,053,019

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 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

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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