8531 Pine Lake Rd, Denver, NC 28037 Property Records

Lincoln County property record for 8531 Pine Lake Rd, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,754 sqft · built 1976
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Dec 2013)
Tax Bill	$6,020 (2026)
Deeds & Mortgages	Jan 2021 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4614-20-8118`

Property Details

APN / Parcel Number

Primary APN	`4614-20-8118`
Alternative APNs	`461418208118` `202933` `29561`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,754 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	34,412 sqft (0.79 acres)
Loading Dock	816 sqft
Boat Access	Boat Access
Boat House	816 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	202933
Street Address	8531 PINE LAKE RD
City	DENVER
State	NC
Zip	28037-8815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	D P#95/38 & HM R1390
Legal Block	38
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	1336 VERDICT RIDGE DR, DENVER, NC 28037-5482
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP
Jan 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2013 · Amount on Record
Deed Sale	Dec 4, 2013 · Amount on Record
Deed Document Number	2013515538
Deed Book / Page	2432 / 468
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8531 PINE LAKE RD, DENVER, NC 28037-8815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1336 VERDICT RIDGE DR, DENVER, NC 28037-5482

Mortgage

Document Number	2995154
Date	Jan 15, 2021
Book Page	2995/154
Instrument	623424

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	CORNELIUS, NC 28031

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Jan 7, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8531 PINE LAKE RD, DENVER, NC 28037-8815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2971692
Date	Nov 6, 2020
Book Page	2971/692
Instrument	619375

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	8531 PINE LAKE RD, DENVER, NC 28037-8815
Document Number	28781
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8531 PINE LAKE RD DENVER NC 280378815, DENVER, NC 28037-8815

Mortgage

Document Number	28781
Date	Jan 24, 2020
Book Page	002878/000001
Instrument	603599

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 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	$6,020.00 (+0.75%)	$973,624 (-) Land $656,650 Building $316,974	$973,624 (-) Land $656,650 Building $316,974
2023	$5,975.00	$973,624 Land $656,650 Building $316,974	$973,624 Land $656,650 Building $316,974

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 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 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.

Nearby Properties on Pine Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures