4120 Cindy Ln, Denver, NC 28037 Property Records

Lincoln County property record for 4120 Cindy Ln, Denver, NC 28037

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 5,828 sqft · built 2003
Lot Size	0.882 acres (38,420 sqft)
Owner	2 Individual Names on Record
Last Sale	$908,000 (Aug 2018)
Tax Bill	$9,903 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4605-63-7009`

Property Details

APN / Parcel Number

Primary APN	`4605-63-7009`
Alternative APNs	`460515637009` `268939` `54750`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	5,828 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	38,420 sqft (0.882 acres)

Exterior Amenities

Loading Dock	64 sqft
Storage Building	96 sqft
Boat Access	Boat Access
Boat House	550 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	268939
Street Address	4120 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	CRESCENT #115 SECT 36
Jurisdiction	LINCOLN NC
Township / Civil Division	CATAWBA SPRINGS
Census Block Group	3
Census Block	3013
Census Tract	71203

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4120 CINDY LN, DENVER, NC 28037-9637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Mar 16, 2021	Deed of Trust, Mortgage · Line of Credit BLUEHARBOR BANK
Aug 7, 2018	Warranty Deed, Transfer MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on Record
Deed Sale	Aug 7, 2018 · Amount on Record
Prior Sale	Jul 6, 1993 · Amount on Record
Deed Document Number	2018581603
Deed Book / Page	2761 / 276
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4120 CINDY LN, DENVER, NC 28037-9637
Transaction Type	Mortgage
Record Updated	Apr 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3018854
Date	Mar 16, 2021
Book Page	3018/854
Instrument	627261

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4120 CINDY LN, DENVER, NC 28037-9637
Transaction Type	Mortgage
Record Updated	Apr 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4120 CINDY LN, DENVER, NC 28037-9637

Mortgage

Document Number	3018867
Date	Mar 16, 2021
Book Page	3018/867
Instrument	627262

Lender

Name	BLUEHARBOR BANK
Type	Bank
Address	MOORESVILLE, NC 28117

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Aug 7, 2018
Property Address	4120 CINDY LN, DENVER, NC 28037-9637
Document Number	2761276
Book / Page	002761 / 000276
Instrument Date	Jul 31, 2018
Instrument	581603
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,816.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4120 CINDY LN DENVER NC 280379637, DENVER, NC 28037-9637

Mortgage

Document Number	2761278
Date	Aug 7, 2018
Book Page	002761/000278
Instrument	581604

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2048

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	$9,903.00 (+1.17%)	$1,603,458 (-) Land $421,749 Building $1,181,709	$1,603,458 (-) Land $421,749 Building $1,181,709
2023	$9,788.00	$1,603,458 Land $421,749 Building $1,181,709	$1,603,458 Land $421,749 Building $1,181,709

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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

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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