Mecklenburg County property record for 3540 Cindy Ln, Charlotte, NC 28269
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,922 sqft · built 2021 |
| Lot Size | 0.285 acres (12,435 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $303,500 (Aug 2021) |
| Tax Bill | $2,757 (2023) |
| Deeds & Mortgages | Jun 2023 Line of Credit Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-292-84 |
| Primary APN | 045-292-84 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,922 sqft Heated Area |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 12,435 sqft (0.285 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 045-292-84 |
|---|---|
| Street Address | 3540 CINDY LN |
| City | CHARLOTTE |
| State | NC |
| Zip | 28269-4820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L3B M68-467 |
| Legal Lot Number | 3B |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 5403 |
Source: Mecklenburg County records, as of May 24, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3540 CINDY LN, CHARLOTTE, NC 28269-4820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Aug 26, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Mar 31, 2021 | Special Warranty Deed, Construction Loan · Construction Mortgage AMERIS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2021 · Amount on Record |
| Deed Sale | Aug 26, 2021 · Amount on Record |
| Prior Sale | Mar 31, 2021 · Amount on Record |
| Deed Document Number | 0036455291 |
| Deed Book / Page | 36455 / 291 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 3540 CINDY LN, CHARLOTTE, NC 28269-4820 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0000055760 |
|---|---|
| Date | Jun 14, 2023 |
| Book Page | 38185/707 |
| Instrument | 2023055760 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Aug 26, 2021 |
| Property Address | 3540 CINDY LN, CHARLOTTE, NC 28269-4820 |
| Document Number | 0000164245 |
| Book / Page | 36455 / 291 |
| Map Reference | MB 68 PG 467 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 2021164245 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $607.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 200 FOXFIELD LN, MATTHEWS, NC 28105-9123 |
| Name | Verified Name |
|---|---|
| Address | 3540 CINDY LN, CHARLOTTE, NC 28269-4820 |
| Document Number | 0000164246 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 2021164246 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Mar 31, 2021 |
| Property Address | 3540 CINDY LN, CHARLOTTE, NC 28269-4820 |
| Document Number | 0000063365 |
| Book / Page | 35880 / 590 |
| Map Reference | MB 7 PG 579 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 2021063365 |
| Transaction Type | Construction Loan |
| Record Updated | May 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $453.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8111 SEALEY CT, CHARLOTTE, NC 28277-1622 |
| Name | Verified Name |
|---|---|
| Address | 200 FOXFIELD LN, MATTHEWS, NC 28105-9123 |
| Document Number | 0000063366 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 2021063366 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Mecklenburg County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · 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 |
| Nearby Flood Claims | 2 (1978–1982) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 1982 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 | CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 249 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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