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Single Family ResidenceResidential
$844,987$312 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $562,000 on Dec 18, 2017

540 FLAT ROCK DR

DENVER, NC 28037
3
Beds
3
Baths
2,712 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
2017
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$845K
$702K low$988K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$562,000 · Dec 18, 2017
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$544,987
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$435,990
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.36%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$300,000
SHEA MTG · recorded Dec 18, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,255 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$681,361 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$75,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$606,361
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$681,361
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$681,361

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Custom Design
CountyLincoln
Lot (acres)The size of the land the home sits on, from county records.0.25
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
East Lincoln High SchoolA-
High · Grades 9–12 · 0.5 mi
E
Catawba Springs Elementary SchoolB-
Elementary · Grades PK–5 · 0.6 mi
M
East Lincoln Middle SchoolC-
Middle · Grades 6–8 · 4.3 mi

District: Lincoln County Schools

Neighborhood · ZIP 28037These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.71

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.26,623
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.512 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$109,006
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$146,468
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

540 Flat Rock Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 90% of homes in Lincoln County
  • Costs more per square foot than 86% of homes in Lincoln County
  • Bigger than 86% of homes in Trilogy Lake Norman
  • Has a bigger lot than 96% of homes in Trilogy Lake Norman
  • Newer than 85% of homes in Lincoln County

What homes are worth in Denver 28037

Each bar is how many homes fall in that price range. The marker is this home.

This home
$240K$2M

This home is worth more than 78% of homes in Denver 28037.

How it measures up in Denver 28037

The dot is this home. The mark in the middle is the typical home in Denver 28037.

Estimated value$844,987
CheaperTypical $556,801Pricier

Pricier than 78% of homes nearby

Price per ft²$312
CheaperTypical $254Pricier

Pricier than 73% of homes nearby

Living area2,712 ft²
SmallerTypical 2,108 ft²Bigger

Bigger than 72% of homes nearby

Lot size0.25 ac
SmallerTypical 0.49 acBigger

Bigger than 31% of homes nearby

Year built2017
OlderTypical 2005Newer

Newer than 74% of homes nearby

How 540 Flat Rock Dr ranks against every home in each area.
MeasureThis homeTrilogy Lake NormanDenver 28037Lincoln County
Estimated valuepricier than$844,98788% of homes78% of homes90% of homes
Price per ft²pricier than$31246% of homes73% of homes86% of homes
Living areabigger than2,712 ft²86% of homes72% of homes86% of homes
Lot sizebigger than0.25 ac96% of homes31% of homes16% of homes
Year builtnewer than201734% of homes74% of homes85% of homes

About 540 Flat Rock Dr

How much is 540 Flat Rock Dr, Denver, NC worth?

The TopHap Estimate for 540 Flat Rock Dr, Denver, NC is $844,987 as of Jul 14, 2026. The likely range is $702,415 to $987,558. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 Flat Rock Dr, Denver, NC last sell?

540 Flat Rock Dr, Denver, NC last sold on Dec 18, 2017 for $562,000, according to the county's recorded deed.

How big is 540 Flat Rock Dr, Denver, NC?

540 Flat Rock Dr, Denver, NC has 3 bedrooms, 3 bathrooms, 2,712 square feet of living space and a 0.25-acre lot.

When was 540 Flat Rock Dr, Denver, NC built?

540 Flat Rock Dr, Denver, NC was built in 2017, making it 9 years old. It is a custom design home. The building has 2 stories.

What schools serve 540 Flat Rock Dr, Denver, NC?

540 Flat Rock Dr, Denver, NC is assigned to East Lincoln High School (high), rated A-; Catawba Springs Elementary School (elementary), rated B-; East Lincoln Middle School (middle), rated C-. All sit in Lincoln County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 Flat Rock Dr, Denver, NC compare to other homes in Denver 28037?

Among the 12,930 homes in Denver 28037, it is worth more than 78% of them ($844,987 against a typical $556,801), its price per square foot is higher than 73% of them ($312 against a typical $254), it is bigger than 72% of them (2,712 ft² against a typical 2,108 ft²), its lot is bigger than 31% of them (0.25 ac against a typical 0.49 ac) and it is newer than 74% of them (2017 against a typical 2005). Measured against all of Lincoln County, it is worth more than 90% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 540 Flat Rock Dr, Denver, NC?

The 2025 property tax bill for 540 Flat Rock Dr, Denver, NC was $4,255. The county assessed it at $681,361.

Closest homes

More homes in Denver 28037

Assigned schools

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