Lincoln County property record for 1020 Cloudland Ct, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,965 sqft · built 2017 |
| Lot Size | 0.248 acres (10,803 sqft) |
| Owner | Individual Name on File |
| Last Sale | $795,000 (Jun 2023) |
| Tax Bill | $3,341 (2026) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Nov 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3692-73-3236 |
| Primary APN | 3692-73-3236 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,965 sqft Living Area |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Custom Design |
| Lot Area | 10,803 sqft (0.248 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 310764 |
|---|---|
| Street Address | 1020 CLOUDLAND CT |
| City | DENVER |
| State | NC |
| Zip | 28037-4215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-R |
| Legal Description | #328 CAROLINA RIDGE |
| Legal Subdivision | CAROLINA RIDGE PARCEL F |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 71102 |
1020 Cloudland Ct is owned and occupied by an individual who bought it in June 2023.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1020 CLOUDLAND CT, DENVER, NC 28037-4215 |
| 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.
| Date | Document |
|---|---|
| Jun 23, 2023 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK |
| Nov 18, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Jun 12, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Nov 21, 2017 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage AMERICAN SEC MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2023 · Amount on File |
| Deed Sale | Jun 23, 2023 · Amount on File |
| Prior Sale | Nov 21, 2017 · Amount on File |
| Deed Document Number | 2023668704 |
| Deed Book / Page | 3258 / 591 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jun 23, 2023 |
| Property Address | 1020 CLOUDLAND CT, DENVER, NC 28037-4215 |
| Document Number | 0003258591 |
| Book / Page | 3258 / 591 |
| Map Reference | MB 17 PG 126-129 |
| Instrument Date | Jun 23, 2023 |
| Instrument | 668704 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2023 |
| Title Company | SOUTHERN HOME TITLE, SOUTHERN HOMES TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,590.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 312 GREENBAY RD, MOORESVILLE, NC 28117-8886 |
| Name | Verified Name |
|---|---|
| Address | 1020 CLOUDLAND CT, DENVER, NC 28037-4215 |
| Document Number | 0000668705 |
|---|---|
| Date | Jun 23, 2023 |
| Instrument | 668705 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1020 CLOUDLAND CT, DENVER, NC 28037-4215 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1020 CLOUDLAND CT, DENVER, NC 28037-4215 |
| Document Number | 0003212224 |
|---|---|
| Date | Nov 18, 2022 |
| Book Page | 3212/224 |
| Instrument | 660546 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Nov 22, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1020 CLOUDLAND CT, DENVER, NC 28037-4215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 297028 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 2970/28 |
| Instrument | 619090 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1020 CLOUDLAND CT, DENVER, NC 28037-4215 |
| Document Number | 2753331 |
| Instrument Date | Jun 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1020 CLOUDLAND CT DENVER NC 280374215, DENVER, NC 28037-4215 |
| Document Number | 2753331 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 002753/000331 |
| Instrument | 579944 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jun 28, 2058 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Nov 21, 2017 |
| Property Address | 1020 CLOUDLAND CT, DENVER, NC 28037-4215 |
| Document Number | 2707419 |
| Book / Page | 002707 / 000419 |
| Instrument Date | Nov 2, 2017 |
| Instrument | 570917 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $806.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1020 CLOUDLAND CT DENVER NC 280374215, DENVER, NC 28037-4215 |
| Document Number | 2707421 |
|---|---|
| Date | Nov 21, 2017 |
| Book Page | 002707/000421 |
| Instrument | 570918 |
| Name | AMERICAN SEC MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 20, 2047 |
The 2026 property tax bill for 1020 Cloudland Ct was $3,341.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,341.00 | $530,103 Land $75,000 Building $455,103 | $530,103 Land $75,000 Building $455,103 |
| 2023 | $3,308.00 (+16.48%) | $530,103 (+40.86%) Land $75,000 Building $455,103 | $530,103 (+40.86%) Land $75,000 Building $455,103 |
| 2022 | $2,840.00 | $376,327 Land $64,000 Building $312,327 | $376,327 Land $64,000 Building $312,327 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1020 Cloudland Ct in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
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 risk around 1020 Cloudland Ct is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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