8385 Norman Estates Dr, Denver, NC 28037 Property Records

Lincoln County property record for 8385 Norman Estates Dr, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	6 bd · 7.5 ba · 5,716 sqft · built 2006
Lot Size	1.44 acres (62,944 sqft)
Owner	2 Individual Names on Record
Last Sale	$5,200,000 (Jul 2022)
Tax Bill	$29,742 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4613-77-1164`

Property Details

APN / Parcel Number

Primary APN	`4613-77-1164`
Alternative APNs	`461311771164` `278242` `291628` `79924`

Interior

Bedrooms	6 Beds
Full Baths	7.5 Baths
Half Baths	3 Half Baths
Total Rooms	24 Rooms
Stories	1 Story
Building Area	5,716 sqft Living Area
Basement Area	2,439 sqft
Finished Basement	2,172 sqft
Unfinished Basement	267 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Frame
Lot Area	62,944 sqft (1.44 acres)

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	840 sqft
Loading Dock	759 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	291628
Street Address	8385 NORMAN ESTATES DR
City	DENVER
State	NC
Zip	28037-7667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CR
Legal Description	#3 LOT NORMAN ESTATES
Legal Subdivision	NORMAN ESTATES
Legal Lot Number	3
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1004
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	2 Individual Names on Record
Mailing Address	8385 NORMAN ESTATES DR, DENVER, NC 28037-7667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/PA
May 4, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Mar 12, 2018	Deed of Trust, Mortgage · Line of Credit PNC BK/NJ

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2022 · Amount on Record
Deed Sale	Jul 12, 2022 · Amount on Record
Prior Sale	Oct 20, 2017 · Amount on Record
Deed Document Number	2022654864
Deed Book / Page	3179 / 858
Prior Transfer Date	Apr 28, 2020
Prior Transfer Doc	290581
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 12, 2022
Property Address	8385 NORMAN ESTATES DR, DENVER, NC 28037-7667
Document Number	0003179858
Book / Page	3179 / 858
Map Reference	MB 11 PG 322-325
Instrument Date	Jul 6, 2022
Instrument	654864
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 GULF SHORE DR # DR422, 110, DESTIN, FL 32541-5035

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000654865
Date	Jul 12, 2022
Instrument	654865

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	10.3%
Index	1-Year CMT
Max Rate	10.3%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8385 NORMAN ESTATES DR, DENVER, NC 28037-7667
Document Number	2910835
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8385 NORMAN ESTATES DR DENVER NC 280377667, DENVER, NC 28037-7667

Mortgage

Document Number	2910835
Date	May 21, 2020
Book Page	002910/000835
Instrument	609190

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	STATESVILLE, NC 28687

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	May 20, 2042

Interest

Rate Type	Adjustable Rate

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	May 4, 2020
Property Address	8385 NORMAN ESTATES DR, DENVER, NC 28037-7667
Document Number	0000290581
Book / Page	2905 / 81
Map Reference	MB 11 PG 322-325
Instrument Date	Apr 28, 2020
Instrument	608225
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8385 NORMAN ESTATES DR, DENVER, NC 28037-7667

Mortgage

Document Number	0000608226
Date	May 4, 2020
Instrument	608226

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	7.62%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8385 NORMAN ESTATES DR, DENVER, NC 28037-7667
Document Number	2733220
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	Apr 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8385 NORMAN ESTATES DR DENVER NC 280377667, DENVER, NC 28037-7667

Mortgage

Document Number	2733220
Date	Mar 29, 2018
Book Page	002733/000220
Instrument	576014

Lender

Name	PNC BK/NJ
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	444 Months
Due	Mar 28, 2055

Interest

Rate Type	Adjustable Rate

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	$29,742.00	$4,901,020 (-) Land $1,145,500 Building $3,755,520	$4,901,020 (-) Land $1,145,500 Building $3,755,520
2025	$29,742.00 (+0.5%)	$4,901,020 (-) Land $1,145,500 Building $3,755,520	$4,901,020 (-) Land $1,145,500 Building $3,755,520
2023	$29,594.00	$4,901,020 Land $1,145,500 Building $3,755,520	$4,901,020 Land $1,145,500 Building $3,755,520

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	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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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