515 Cotton Ln, Kinston, NC 28501 Property Records

Lenoir County property record for 515 Cotton Ln, Kinston, NC 28501

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 636 sqft · built 1937
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Nov 2025)
Tax Bill	$598 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`452515542694`

Property Details

APN / Parcel Number

Primary APN	`452515542694`
Alternative APN	`7833`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	636 sqft Finished Area

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Aluminum/Vinyl
Roof Material	Metal
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	28.6 ft deep x 125 ft wide
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Convection

Location & Zoning

Street Address	515 COTTON LN
City	KINSTON
State	NC
Zip	28501-4401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA 5
Legal Description	515 COTTON LANE 515 COTTON LN
Legal Subdivision	PERRY AVENUE
Jurisdiction	LENOIR NC
Township / Civil Division	KINSTON
Census Block Group	1
Census Block	1008
Census Tract	10400

Owner

515 Cotton Ln is owned by an individual who bought it in November 2025.

Source: Lenoir County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	503 BEASLEY ST, KINSTON, NC 28501-4531
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 20, 2025	Warranty Deed, Transfer · Seller Carry-Back ROSAURA GUERRERO
Oct 5, 2022	Warranty Deed, Transfer
Dec 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage DURWARD A & RONALD G ROUSE
Dec 9, 2019	Warranty Deed, Transfer · Conventional Mortgage DURWARD A & RONALD G ROUSE
Aug 23, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2025 · Amount on File
Deed Sale	Nov 20, 2025 · Amount on File
Prior Sale	Oct 5, 2022 · Amount on File
Deed Book / Page	2073 / 1
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENOIR NC
Recording Date	Nov 20, 2025
Property Address	515 COTTON LN, KINSTON, NC 28501-4401
Document Number	0020730001
Book / Page	2073 / 1
Map Reference	MB 798 PG 509
Instrument Date	Nov 20, 2025
Transaction Type	Transfer
Record Updated	Dec 8, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4228 HICKS RD, GARNER, NC 27529-9111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 BEASLEY ST, KINSTON, NC 28501-4531

Mortgage

Document Number	0000020735
Date	Nov 20, 2025
Instrument	2073/5

Lender

Name	ROSAURA GUERRERO
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	96 Months
Due	Nov 20, 2033

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENOIR NC
Recording Date	Oct 5, 2022
Property Address	515 COTTON LN, KINSTON, NC 28501-4401
Document Number	0019700147
Book / Page	1970 / 147
Instrument Date	Oct 3, 2022
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount on Record
Tax	$42.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1510 SE SHADOWOOD DR, 1510, PORT ORCHARD, WA 98367-9356

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 COTTON LN, KINSTON, NC 28501-4401

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LENOIR NC
Property Address	515 COTTON LN, KINSTON, NC 28501-4401
Document Number	0018720067
Instrument Date	Dec 6, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2269 PORT ORCHARD WA 983660748, PORT ORCHARD, WA 98366-0748

Mortgage

Document Number	0018720067
Date	Dec 9, 2019
Book Page	001872/000067

Lender

Name	DURWARD A & RONALD G ROUSE
Address	119 OLD 2ND ST, KINSTON, NC 28504-6758

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Dec 8, 2021

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENOIR NC
Recording Date	Dec 9, 2019
Property Address	515 COTTON LN, KINSTON, NC 28501-4401
Document Number	0018720062
Book / Page	001872 / 000062
Instrument Date	Dec 3, 2019
Transaction Type	Transfer
Record Updated	Jan 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2269 PORT ORCHARD WA 983660748, PORT ORCHARD, WA 98366-0748

Mortgage

Document Number	18720067
Date	Dec 9, 2019
Book Page	001872/000067

Lender

Name	DURWARD A & RONALD G ROUSE
Address	119 OLD 2ND ST, KINSTON, NC 28504-6758
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Dec 8, 2021

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LENOIR NC
Recording Date	Aug 23, 2019
Property Address	515 COTTON LN, KINSTON, NC 28501-4401
Document Number	0018640338
Book / Page	001864 / 000338
Instrument Date	Aug 14, 2019
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$24.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 2269 PORT ORCHARD WA 983660748, PORT ORCHARD, WA 98366-0748

Tax Assessment & Valuation

The 2026 property tax bill for 515 Cotton Ln was $598, down 2.8% from the year before.

Source: Lenoir County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Lenoir County
Municipality	Kinston City
Unified School District	Lenoir County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$598.00 (-2.76%)	$43,824 (-) Land $4,190 Building $39,634	$43,824 (-) Land $4,190 Building $39,634
2025	$615.00	$43,824 Land $4,190 Building $39,634	$43,824 Land $4,190 Building $39,634
2023	$147.00	$9,137 Land $2,250 Building $6,887	$9,137 Land $2,250 Building $6,887

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 515 Cotton Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective June 18, 2020 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1999–2018)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims

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 515 Cotton 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 80% of the US · lower than 76% 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	CITY OF KINSTON serves 27,475 people · EPA ID NC0454010
Water Source	Purchased surface water from NEUSE REGIONAL WTR & SWR AUTH
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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