8446 Pine Lake Rd, Denver, NC 28037 Property Records

Lincoln County property record for 8446 Pine Lake Rd, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,536 sqft · built 1985
Lot Size	0.852 acres (37,113 sqft)
Owner	2 Individual Names on File
Last Sale	$533,000 (Dec 2020)
Tax Bill	$5,891 (2026)
Deeds & Mortgages	Dec 2020 Sale Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4613-29-3336`

Property Details

APN / Parcel Number

Primary APN	`4613-29-3336`
Alternative APNs	`461305293336` `281881` `30522`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Rustic
Exterior Material	Logs
Construction Type	Frame
Lot Area	37,113 sqft (0.852 acres)
Cabin	1,536 sqft
Loading Dock	576 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	281881
Street Address	8446 PINE LAKE RD
City	DENVER
State	NC
Zip	28037-8814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	CRESCENT 38/024 R1390
Legal Subdivision	CRESCENT LAND & TIMBER CORP
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1001
Census Tract	71202

Owner

8446 Pine Lake Rd is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	8446 PINE LAKE RD, DENVER, NC 28037-8814
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
Dec 8, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on File
Deed Sale	Dec 8, 2020 · Amount on File
Prior Sale	Jul 19, 1995 · Amount on File
Deed Document Number	2020621277
Deed Book / Page	2982 / 492
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Dec 8, 2020
Property Address	8446 PINE LAKE RD, DENVER, NC 28037-8814
Document Number	2982492
Book / Page	002982 / 000492
Instrument Date	Dec 7, 2020
Instrument	621277
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,066.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8446 PINE LAKE RD DENVER NC 280378814, DENVER, NC 28037-8814

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8446 PINE LAKE RD, DENVER, NC 28037-8814
Document Number	2643955
Book / Page	002643 / 000955
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Mar 22, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8446 PINE LAKE RD DENVER NC 280378814, DENVER, NC 28037-8814

Mortgage

Document Number	2643955
Date	Jan 31, 2017
Book Page	002643/000955
Instrument	558263

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

The 2026 property tax bill for 8446 Pine Lake Rd was $5,891.

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	$5,891.00	$952,232 Land $599,518 Building $352,714	$952,232 Land $599,518 Building $352,714
2023	$5,744.00	$935,232 Land $599,518 Building $335,714	$935,232 Land $599,518 Building $335,714

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

Flood

FEMA maps place 8446 Pine Lake Rd 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	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

Wildfire risk around 8446 Pine Lake Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	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 80 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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