4111 Cindy Ln, Denver, NC 28037 Property Records

Lincoln County property record for 4111 Cindy Ln, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,567 sqft · built 2023
Lot Size	1.46 acres (63,903 sqft)
Owner	2 Individual Names on File
Last Sale	$1,925,000 (Sep 2024)
Tax Bill	$8,324 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2023 Sale & Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4605-62-4947`

Property Details

APN / Parcel Number

Primary APN	`4605-62-4947`
Alternative APNs	`460515624947` `278620` `306781` `83221`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	15 Rooms
Stories	1 Story
Building Area	2,567 sqft Living Area
Basement Area	2,567 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Custom Design
Lot Area	63,903 sqft (1.46 acres)
Pool Area	288 sqft
Loading Dock	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	306781
Street Address	4111 CINDY LN
City	DENVER
State	NC
Zip	28037-9637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#2 LOT ANDERSON LAND
Legal Subdivision	MILLARD PERVIS ANDERSON
Legal Lot Number	2
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3013
Census Tract	71203

Owner

4111 Cindy Ln is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	4111 CINDY LN, DENVER, NC 28037-9637
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 · Conventional Mortgage APL FCU
Nov 7, 2023	Warranty Deed, Construction Loan · Construction Mortgage OLD NORTH CAPITAL INVESTMENTS LLC
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jun 11, 2020	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK
Aug 17, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2024 · Amount on File
Deed Sale	Sep 25, 2024 · Amount on File
Prior Sale	Nov 7, 2023 · Amount on File
Deed Document Number	2024685552
Deed Book / Page	3355 / 435
Prior Transfer Date	Aug 10, 2017
Prior Transfer Doc	2686250
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4111 CINDY LN, DENVER, NC 28037-9637
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4111 CINDY LN, DENVER, NC 28037-9637

Mortgage

Document Number	0003458858
Date	Nov 26, 2025
Book Page	3458/858
Instrument	702480

Lender

Name	APL FCU
Type	Credit Union
Address	LAUREL, MD 20723

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 7, 2023
Property Address	4111 CINDY LN, DENVER, NC 28037-9637
Document Number	0000328861
Book / Page	3288 / 61
Map Reference	CAB 13 PG 117
Instrument Date	Nov 3, 2023
Instrument	673931
Transaction Type	Construction Loan
Record Updated	Dec 4, 2023
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6265 ASHTON PARK DR, DENVER, NC 28037-0850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3625 KING GEORGE DR, ORLANDO, FL 32835-5907

Mortgage

Document Number	0000673932
Date	Nov 7, 2023
Instrument	673932

Lender

Name	OLD NORTH CAPITAL INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	CINDY LN, NC
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003121932
Date	Dec 28, 2021
Book Page	3121/932
Instrument	644993

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 28, 2022

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 11, 2020
Property Address	CINDY LN, NC
Document Number	0002917349
Book / Page	2917 / 349
Map Reference	CAB 12 PG 117
Instrument Date	May 28, 2020
Instrument	610301
Transaction Type	Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13821 CREEKSIDE DR, 13821, MATTHEWS, NC 28105-3923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3974 BLUE DORY LN, DENVER, NC 28037-5499

Mortgage

Document Number	0000610302
Date	Jun 11, 2020
Instrument	610302

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Jun 10, 2022

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Aug 17, 2017
Property Address	CINDY LN, NC
Document Number	2686250
Book / Page	002686 / 000250
Instrument Date	Aug 10, 2017
Instrument	566784
Transaction Type	Transfer
Record Updated	Aug 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$180.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	13821 CREEKSIDE DR MATTHEWS NC 281053923, MATTHEWS, NC 28105-3923

Tax Assessment & Valuation

The 2026 property tax bill for 4111 Cindy Ln was $8,324, 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	$8,324.00 (+0.64%)	$1,344,086 (-) Land $329,397 Building $1,014,689	$1,344,086 (-) Land $329,397 Building $1,014,689
2025	$8,271.00	$1,344,086 Land $329,397 Building $1,014,689	$1,344,086 Land $329,397 Building $1,014,689
2023	$1,986.00	$329,397 Land $329,397	$329,397 Land $329,397

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4111 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 4111 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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