3993 Windrock Ct, Denver, NC 28037 Property Records

Lincoln County property record for 3993 Windrock Ct, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,676 sqft · built 1991
Lot Size	0.791 acres (34,456 sqft)
Owner	2 Individual Names on Record
Last Sale	$308,000 (May 2019)
Tax Bill	$2,884 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3695-95-8330`

Property Details

APN / Parcel Number

Primary APN	`3695-95-8330`
Alternative APNs	`369512958330` `272808` `55780`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,676 sqft Living Area
Basement Area	1,358 sqft
Finished Basement	1,358 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	34,456 sqft (0.791 acres)
Storage Building	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	272808
Street Address	3993 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 74
Legal Subdivision	FOREST HILLS SD
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	3993 WINDROCK CT, DENVER, NC 28037-8038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 8, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 13, 2019	Warranty Deed, Transfer · FHA Mortgage SUMMIT FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2019 · Amount on Record
Deed Sale	May 13, 2019 · Amount on Record
Prior Sale	May 2, 2001 · Amount on Record
Deed Document Number	2019592407
Deed Book / Page	2815 / 487
Prior Transfer Date	Mar 30, 2011
Prior Transfer Doc	0000003132
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3993 WINDROCK CT, DENVER, NC 28037-8038
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3993 WINDROCK CT, DENVER, NC 28037-8038

Mortgage

Document Number	0003188558
Date	Aug 15, 2022
Book Page	3188/558
Instrument	656389

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3993 WINDROCK CT, DENVER, NC 28037-8038
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3073610
Date	Aug 16, 2021
Book Page	3073/610
Instrument	636932

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WINSTON SALEM, NC 27104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3993 WINDROCK CT, DENVER, NC 28037-8038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2992772
Date	Jan 8, 2021
Book Page	2992/772
Instrument	623018

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	May 13, 2019
Property Address	3993 WINDROCK CT, DENVER, NC 28037-8038
Document Number	2815487
Book / Page	002815 / 000487
Instrument Date	May 13, 2019
Instrument	592407
Transaction Type	Transfer
Record Updated	May 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$616.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3993 WINDROCK CT DENVER NC 280378038, DENVER, NC 28037-8038

Mortgage

Document Number	2815489
Date	May 13, 2019
Book Page	002815/000489
Instrument	592408

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 12, 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	$2,884.00 (+2.6%)	$450,788 (+1.01%) Land $52,000 Building $398,788	$450,788 (+1.01%) Land $52,000 Building $398,788
2023	$2,811.00	$446,289 Land $52,000 Building $394,289	$446,289 Land $52,000 Building $394,289

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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