Lincoln County property record for 4090 Summit Ridge Ln, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,348 sqft · built 2006 |
| Lot Size | 0.557 acres (24,263 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,000 (Mar 2016) |
| Tax Bill | $5,193 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4615-21-3924 |
| Primary APN | 4615-21-3924 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 13 Rooms |
| Stories | 1 Story |
| Building Area | 3,348 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Custom Design |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 24,263 sqft (0.557 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 257878 |
|---|---|
| Street Address | 4090 SUMMIT RIDGE LN |
| City | DENVER |
| State | NC |
| Zip | 28037-7019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | #322 LOT SAILVIEW SUB 3/4 |
| Legal Subdivision | SAILVIEW |
| Legal Lot Number | 322 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 71203 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Terrell Historic District listed 1986 · 11 contributing resources · NRIS 86001685 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
4090 Summit Ridge Ln is owned and occupied by two individuals who bought it in March 2016.
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 File |
|---|---|
| Mailing Address | 4090 SUMMIT RIDGE LN, DENVER, NC 28037-7019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2016 · Amount on File |
| Deed Sale | Mar 4, 2016 · Amount on File |
| Prior Sale | Sep 11, 2007 · Amount on File |
| Deed Document Number | 2016544352 |
| Deed Book / Page | 2572 / 770 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 4090 SUMMIT RIDGE LN, DENVER, NC 28037-7019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002998531 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 2998/531 |
| Instrument | 623975 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 4090 Summit Ridge Ln was $5,193.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,193.00 | $829,870 Land $102,000 Building $727,870 | $829,870 Land $102,000 Building $727,870 |
| 2023 | $4,961.00 | $802,870 Land $102,000 Building $700,870 | $802,870 Land $102,000 Building $700,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4090 Summit Ridge Ln in Zone X, an area of minimal flood risk.
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 | 5 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 risk around 4090 Summit Ridge 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 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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