8474 Pine Lake Rd, Denver, NC 28037 Property Records

Lincoln County property record for 8474 Pine Lake Rd, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,330 sqft · built 1988
Lot Size	0.675 acres (29,403 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,743 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4613-29-5587`

Property Details

APN / Parcel Number

Primary APN	`4613-29-5587`
Alternative APNs	`461306295587` `32898` `82559`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,330 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	29,403 sqft (0.675 acres)
Loading Dock	640 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	82559
Street Address	8474 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	CRES 38/027 OFFR1390
Legal Subdivision	DUKE POWER COMPANY
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1001
Census Tract	71202

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	8474 PINE LAKE RD, DENVER, NC 28037-8814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Mar 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8474 PINE LAKE RD, DENVER, NC 28037-8814
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8474 PINE LAKE RD, DENVER, NC 28037-8814

Mortgage

Document Number	3004749
Date	Feb 10, 2021
Book Page	3004/749
Instrument	624990

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8474 PINE LAKE RD, DENVER, NC 28037-8814
Document Number	2729251
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8474 PINE LAKE RD DENVER NC 280378814, DENVER, NC 28037-8814

Mortgage

Document Number	2729251
Date	Mar 14, 2018
Book Page	002729/000251
Instrument	575271

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2048

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	$6,743.00 (+0.73%)	$1,093,224 (-) Land $611,568 Building $481,656	$1,093,224 (-) Land $611,568 Building $481,656
2023	$6,694.00	$1,093,224 Land $611,568 Building $481,656	$1,093,224 Land $611,568 Building $481,656

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 99.1% of the US · lower than 99.5% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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