4045 Cindy Ln, Denver, NC 28037 Property Records

Lincoln County property record for 4045 Cindy Ln, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,176 sqft · built 2006
Lot Size	1.62 acres (70,872 sqft)
Owner	Individual Name on File
Last Sale	$940,000 (Mar 2020)
Tax Bill	$7,502 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4605-62-2893`

Property Details

APN / Parcel Number

Primary APN	`4605-62-2893`
Alternative APNs	`460515622896` `277551` `56254`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,176 sqft Living Area
Basement Area	2,176 sqft
Finished Basement	1,480 sqft
Unfinished Basement	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	70,872 sqft (1.62 acres)
Pool Area	512 sqft
Loading Dock	200 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	277551
Street Address	4045 CINDY LN
City	DENVER
State	NC
Zip	28037-6419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#3A LT RONALD BROADWAY
Legal Subdivision	ANDERSON PROPERTY
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3013
Census Tract	71203

Owner

4045 Cindy Ln is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	4045 CINDY LN, DENVER, NC 28037-6419
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
Nov 26, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK HOME LOANS LLC
Mar 19, 2020	Deed of Trust, Mortgage ANGEL OAK HM LOANS
Mar 20, 2020	Warranty Deed, Transfer ANGEL OAK HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2020 · Amount on File
Deed Sale	Mar 20, 2020 · Amount on File
Prior Sale	Sep 23, 2015 · Amount on File
Deed Document Number	2020606078
Deed Book / Page	2891 / 676
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4045 CINDY LN, DENVER, NC 28037-6419
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	PROGRESSIVE LAND TITLE AGENCY LI, PROGRESSIVE LAND TTL AGCY LT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003459120
Date	Nov 26, 2025
Book Page	3459/120
Instrument	702507

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4045 CINDY LN, DENVER, NC 28037-6419
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3036704
Date	Apr 30, 2021
Book Page	3036/704
Instrument	630373

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4045 CINDY LN, DENVER, NC 28037-6419
Document Number	2891723
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 CINDY LN DENVER NC 280376419, DENVER, NC 28037-6419

Mortgage

Document Number	2891723
Date	Mar 20, 2020
Book Page	002891/000723
Instrument	606086

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30328

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Mar 20, 2020
Property Address	4045 CINDY LN, DENVER, NC 28037-6419
Document Number	2891676
Book / Page	002891 / 000676
Instrument Date	Mar 16, 2020
Instrument	606078
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4045 CINDY LN DENVER NC 280376419, DENVER, NC 28037-6419

Mortgage

Document Number	2891679
Date	Mar 20, 2020
Book Page	002891/000679
Instrument	606079

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30328

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 4045 Cindy Ln was $7,502.

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	$7,502.00	$1,209,132 Land $337,045 Building $872,087	$1,209,132 Land $337,045 Building $872,087
2023	$7,411.00	$1,209,132 Land $337,045 Building $872,087	$1,209,132 Land $337,045 Building $872,087

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

Flood

FEMA maps place 4045 Cindy 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	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 4045 Cindy Ln is low, with 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 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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