3963 Cindy Ln, Denver, NC 28037 Property Records

Lincoln County property record for 3963 Cindy Ln, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,621 sqft · built 2015
Lot Size	0.768 acres (33,454 sqft)
Owner	2 Individual Names on File
Last Sale	$840,000 (Jun 2019)
Tax Bill	$7,287 (2026)
Deeds & Mortgages	May 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4605-52-4208`

Property Details

APN / Parcel Number

Primary APN	`4605-52-4208`
Alternative APNs	`460519524208` `273189` `81953`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,621 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Custom Design
Lot Area	33,454 sqft (0.768 acres)
Loading Dock	192 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	273189
Street Address	3963 CINDY LN
City	DENVER
State	NC
Zip	28037-8397
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#4 LOT WEBBS CHAPEL COVE
Legal Subdivision	WEBBS CHAPEL COVE
Legal Lot Number	4
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3013
Census Tract	71203

Owner

3963 Cindy Ln is owned and occupied by two individuals who bought it in June 2019.

Source: Lincoln County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3963 CINDY LN, DENVER, NC 28037-8397
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.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 19, 2019	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2019 · Amount on File
Deed Sale	Jun 19, 2019 · Amount on File
Prior Sale	Aug 7, 2014 · Amount on File
Deed Document Number	2019594006
Deed Book / Page	2825 / 157
Prior Transfer Date	Jan 7, 2016
Prior Transfer Doc	0025620935
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3963 CINDY LN, DENVER, NC 28037-8397
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003037731
Date	May 3, 2021
Book Page	3037/731
Instrument	630546

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 19, 2019
Property Address	3963 CINDY LN, DENVER, NC 28037-8397
Document Number	2825157
Book / Page	002825 / 000157
Instrument Date	Jun 14, 2019
Instrument	594006
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3963 CINDY LN DENVER NC 280378397, DENVER, NC 28037-8397

Mortgage

Document Number	2825160
Date	Jun 19, 2019
Book Page	002825/000160
Instrument	594007

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

The 2026 property tax bill for 3963 Cindy Ln was $7,287, up 0.6% from the year before.

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	$7,287.00 (+0.64%)	$1,173,817 (-) Land $347,574 Building $826,243	$1,173,817 (-) Land $347,574 Building $826,243
2025	$7,241.00	$1,173,817 Land $347,574 Building $826,243	$1,173,817 Land $347,574 Building $826,243
2023	$7,198.00	$1,173,817 Land $347,574 Building $826,243	$1,173,817 Land $347,574 Building $826,243

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3963 Cindy Ln in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 3963 Cindy Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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.

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 44 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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