8318 Normandy Rd, Denver, NC 28037 Property Records

Lincoln County property record for 8318 Normandy Rd, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,064 sqft · built 2022
Lot Size	0.354 acres (15,420 sqft)
Owner	Individual Name on Record
Last Sale	$1,885,000 (Jul 2026)
Tax Bill	$6,729 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4613-43-0987`

Property Details

APN / Parcel Number

Primary APN	`4613-43-0987`
Alternative APNs	`461314430987` `284472` `31879`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,064 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Custom Design
Lot Area	15,420 sqft (0.354 acres)
Boat Access	Boat Access
Boat House	544 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	284472
Street Address	8318 NORMANDY RD
City	DENVER
State	NC
Zip	28037-8646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	25-27 SHADY GVRD1491
Legal Subdivision	SHADY GROVE PARK
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 August 27, 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	2100 FLORAL AVE, CHARLOTTE, NC 28203-6024
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Feb 12, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
May 26, 2021	Warranty Deed, Transfer
Oct 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Prior Sale	May 26, 2021 · Amount on Record
Deed Document Number	2026712521
Deed Book / Page	3521 / 490
Prior Transfer Date	Sep 28, 2017
Prior Transfer Doc	0026970621
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 20, 2026
Property Address	8318 NORMANDY RD, DENVER, NC 28037-8646
Document Number	0000712521
Book / Page	3521 / 490
Instrument Date	Jul 15, 2026
Instrument	2026712521
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	TITLE AGENCY, LM TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380,770.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2100 FLORAL AVE, CHARLOTTE, NC 28203-6024

Mortgage

Document Number	0000712522,
Date	Jul 20, 2026
Book Page	3521/492
Instrument	2026712522

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8318 NORMANDY RD, DENVER, NC 28037-8646
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8318 NORMANDY RD, DENVER, NC 28037-8646

Mortgage

Document Number	0000034771
Date	Feb 12, 2026
Book Page	3477/1
Instrument	705366

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 22, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8318 NORMANDY RD, DENVER, NC 28037-8646
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003094223
Date	Oct 12, 2021
Book Page	3094/223
Instrument	640457

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	May 26, 2021
Property Address	8318 NORMANDY RD, DENVER, NC 28037-8646
Document Number	0003045397
Book / Page	3045 / 397
Map Reference	MB C PG 44
Instrument Date	May 13, 2021
Instrument	632003
Transaction Type	Transfer
Record Updated	Nov 20, 2023

Transaction

Amount	Amount Recorded
Tax	$760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7153 HOUSER RD, VALE, NC 28168-7432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12126 ASBURY CHAPEL RD, HUNTERSVILLE, NC 28078-4635

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 5, 2017
Property Address	8318 NORMANDY RD, DENVER, NC 28037-8646
Document Number	2697621
Book / Page	002697 / 000621
Instrument Date	Sep 28, 2017
Instrument	568990
Transaction Type	Transfer
Record Updated	Oct 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7153 HOUSER RD VALE NC 281687432, VALE, NC 28168-7432

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	$6,729.00	$1,090,963 (-) Land $427,371 Building $663,592	$1,090,963 (-) Land $427,371 Building $663,592
2025	$6,729.00 (+0.72%)	$1,090,963 (-) Land $427,371 Building $663,592	$1,090,963 (-) Land $427,371 Building $663,592
2023	$6,681.00	$1,090,963 Land $427,371 Building $663,592	$1,090,963 Land $427,371 Building $663,592

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	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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