Lincoln County property record for 7915 Montego Ln, Denver, NC 28037
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,586 sqft · built 2005 |
| Lot Size | 0.574 acres (25,003 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $24,500 (Mar 2005) |
| Tax Bill | $3,342 (2026) |
| Deeds & Mortgages | Feb 2026 Line of Credit Apr 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4603-72-1946 |
| Primary APN | 4603-72-1946 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,586 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 25,003 sqft (0.574 acres) |
| Storage Building | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 117140 |
|---|---|
| Street Address | 7915 MONTEGO LN |
| City | DENVER |
| State | NC |
| Zip | 28037-7001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | #9 CC BLACK EST OFFHWY 16 |
| Legal Subdivision | CHAD DUGGINS & STELLA DUGGINS |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 71201 |
7915 Montego Ln is owned and occupied by two individuals who bought it in March 2005.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7915 MONTEGO LN, DENVER, NC 28037-7001 |
| 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.
| Date | Document |
|---|---|
| Feb 6, 2026 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK |
| Apr 6, 2022 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK |
| Oct 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Jul 26, 2018 | Deed of Trust, Mortgage · Conventional with PMI JPMORGAN CHASE BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2005 · Amount on File |
| Deed Sale | Mar 28, 2005 · Amount on File |
| Prior Sale | Nov 18, 1996 · Amount on File |
| Deed Document Number | 20054546 |
| Deed Book / Page | 1683 / 255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 7915 MONTEGO LN, DENVER, NC 28037-7001 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 7915 MONTEGO LN, DENVER, NC 28037-7001 |
| Document Number | 0003475619 |
|---|---|
| Date | Feb 6, 2026 |
| Book Page | 3475/619 |
| Instrument | 705118 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jan 28, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 7915 MONTEGO LN, DENVER, NC 28037-7001 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7915 MONTEGO LN, DENVER, NC 28037-7001 |
| Document Number | 0003153630 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 3153/630 |
| Instrument | 650296 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 7915 MONTEGO LN, DENVER, NC 28037-7001 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2968117 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 2968/117 |
| Instrument | 618812 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 7915 MONTEGO LN, DENVER, NC 28037-7001 |
| Document Number | 2759210 |
| Instrument Date | Jul 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7915 MONTEGO LN DENVER NC 280377001, DENVER, NC 28037-7001 |
| Document Number | 2759210 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 002759/000210 |
| Instrument | 581206 |
| Name | JPMORGAN CHASE BK NA |
|---|---|
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 29, 2048 |
The 2026 property tax bill for 7915 Montego Ln was $3,342.
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 | $3,342.00 | $530,273 Land $40,000 Building $490,273 | $530,273 Land $40,000 Building $490,273 |
| 2023 | $3,309.00 | $530,273 Land $40,000 Building $490,273 | $530,273 Land $40,000 Building $490,273 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7915 Montego Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 6 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 7915 Montego Ln is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 166 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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