Lincoln County property record for 2654 Cherry Ln, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,574 sqft · built 2007 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $349,000 (May 2003) |
| Tax Bill | $9,408 (2026) |
| Deeds & Mortgages | Jan 2021 Line of Credit Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4613-37-7098 |
| Primary APN | 4613-37-7098 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 3,574 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Custom Design |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Lot Area | 32,234 sqft (0.74 acres) |
| Loading Dock | 1,110 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 148702 |
|---|---|
| Street Address | 2654 CHERRY LN |
| City | DENVER |
| State | NC |
| Zip | 28037-9348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | #2 M H RIDDLE SUBDIVISION |
| Legal Subdivision | M H RIDDLE |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 71202 |
2654 Cherry Ln is owned and occupied by two individuals who bought it in May 2003.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2654 CHERRY LN, DENVER, NC 28037-9348 |
| 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 |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Mar 23, 2020 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2003 · Amount on File |
| Deed Sale | May 27, 2003 · Amount on File |
| Prior Sale | Mar 13, 1998 · Amount on File |
| Deed Book / Page | 1466 / 104 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 2654 CHERRY LN, DENVER, NC 28037-9348 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE GUARANTY |
| Name | Verified Name |
|---|---|
| Address | 2654 CHERRY LN, DENVER, NC 28037-9348 |
| Document Number | 2993456 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 2993/456 |
| Instrument | 623137 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 2654 CHERRY LN, DENVER, NC 28037-9348 |
| Document Number | 2894108 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 2654 CHERRY LN DENVER NC 280379348, DENVER, NC 28037-9348 |
| Document Number | 2894108 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 002894/000108 |
| Instrument | 606495 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 29, 2050 |
The 2026 property tax bill for 2654 Cherry Ln was $9,408.
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 | $9,408.00 | $1,534,518 Land $579,378 Building $955,140 | $1,534,518 Land $579,378 Building $955,140 |
| 2023 | $9,348.00 | $1,534,518 Land $579,378 Building $955,140 | $1,534,518 Land $579,378 Building $955,140 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2654 Cherry Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 2654 Cherry Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.9% 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.
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 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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