8494 Pine Lake Rd, Denver, NC 28037 Property Records

Lincoln County property record for 8494 Pine Lake Rd, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,276 sqft · built 2020
Lot Size	0.746 acres (32,496 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Jan 2020)
Tax Bill	$11,741 (2026)
Deeds & Mortgages	May 2026 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4613-29-6686`

Property Details

APN / Parcel Number

Primary APN	`4613-29-6686`
Alternative APNs	`461306296686` `242329` `30614`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	17 Rooms
Stories	1 Story
Building Area	3,276 sqft Living Area
Basement Area	2,259 sqft
Finished Basement	1,943 sqft
Unfinished Basement	316 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	32,496 sqft (0.746 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	704 sqft
Loading Dock	170 sqft
Boat Access	Boat Access
Boat House	275 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	242329
Street Address	8494 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	BLDG 38/028 OFF 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

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	8494 PINE LAKE RD, DENVER, NC 28037-8814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Jan 22, 2020	Warranty Deed, Transfer TRUIST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2020 · Amount on Record
Deed Sale	Jan 22, 2020 · Amount on Record
Deed Document Number	2020603443
Deed Book / Page	2877 / 163
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	May 22, 2026
Property Address	8494 PINE LAKE RD, DENVER, NC 28037-8814
Document Number	0000709991
Book / Page	3505 / 637
Instrument Date	Apr 14, 2026
Instrument	2026709991
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8494 PINE LAKE RD, DENVER, NC 28037-8814

Mortgage

Document Number	0000709991,
Date	May 22, 2026
Book Page	3505/637
Instrument	2026709991

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jan 22, 2020
Property Address	8494 PINE LAKE RD, DENVER, NC 28037-8814
Document Number	2877163
Book / Page	002877 / 000163
Instrument Date	Jan 21, 2020
Instrument	603443
Transaction Type	Transfer
Record Updated	Feb 4, 2020
Title Company	BRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Transaction

Amount	Amount Recorded
Tax	$880.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	8096 GRAHAM RD DENVER NC 280378603, DENVER, NC 28037-8603

Mortgage

Document Number	2877166
Date	Jan 22, 2020
Book Page	002877/000166
Instrument	603444

Lender

Name	TRUIST BK
Address	WILSON, NC 27893

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2050

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	$11,741.00	$1,920,730 (-) Land $650,710 Building $1,270,020	$1,920,730 (-) Land $650,710 Building $1,270,020
2025	$11,741.00 (+0.6%)	$1,920,730 (-) Land $650,710 Building $1,270,020	$1,920,730 (-) Land $650,710 Building $1,270,020
2023	$11,671.00	$1,920,730 Land $650,710 Building $1,270,020	$1,920,730 Land $650,710 Building $1,270,020

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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