3976 Windrock Ct, Denver, NC 28037 Property Records

Lincoln County property record for 3976 Windrock Ct, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,070 sqft · built 1993
Lot Size	0.911 acres (39,683 sqft)
Owner	2 Individual Names on Record
Last Sale	$5,000 (Mar 1992)
Tax Bill	$4,225 (2026)
Deeds & Mortgages	Nov 2020 Line of Credit Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4605-05-2200`

Property Details

APN / Parcel Number

Primary APN	`4605-05-2200`
Alternative APNs	`460509052200` `55783` `17317`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,070 sqft Living Area
Basement Area	1,907 sqft
Unfinished Basement	1,907 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	39,683 sqft (0.911 acres)
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	17317
Street Address	3976 WINDROCK CT
City	DENVER
State	NC
Zip	28037-8038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	F HILLS OF DENVER 77
Legal Subdivision	FOREST HILLS DENVER
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	1
Census Block	1022
Census Tract	71101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3976 WINDROCK CT, DENVER, NC 28037-8038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 1992 · Amount on Record
Deed Sale	Mar 12, 1992 · Amount on Record
Prior Sale	Mar 12, 1992 · Amount on Record
Deed Book / Page	789 / 47
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3976 WINDROCK CT, DENVER, NC 28037-8038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2972100
Date	Nov 9, 2020
Book Page	2972/100
Instrument	619441

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	DENVER, NC 28037

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3976 WINDROCK CT, DENVER, NC 28037-8038
Document Number	2837111
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3976 WINDROCK CT DENVER NC 280378038, DENVER, NC 28037-8038

Mortgage

Document Number	2837111
Date	Aug 9, 2019
Book Page	002837/000111
Instrument	596181

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

Tax Assessment & Valuation

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	$4,225.00 (+1.42%)	$671,003 (-) Land $52,000 Building $619,003	$671,003 (-) Land $52,000 Building $619,003
2023	$4,166.00	$671,003 Land $52,000 Building $619,003	$671,003 Land $52,000 Building $619,003

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

Flood

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
Nearby Flood Policies	1 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

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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