103 Julia Dr, Lincolnton, NC 28092 Property Records

Lincoln County property record for 103 Julia Dr, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,294 sqft · built 1982
Lot Size	0.635 acres (27,661 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Feb 2019)
Tax Bill	$3,369 (2026)
Deeds & Mortgages	Sep 2019 Line of Credit Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3633-85-0098`

Property Details

APN / Parcel Number

Primary APN	`3633-85-0098`
Alternative APNs	`363312850098` `271654` `22552`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,294 sqft Living Area
Basement Area	2,294 sqft
Finished Basement	1,606 sqft
Unfinished Basement	688 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	27,661 sqft (0.635 acres)
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	271654
Street Address	103 JULIA DR
City	LINCOLNTON
State	NC
Zip	28092-4211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	LITHIA HILLS#29 1294
Legal Subdivision	LITHIA HILLS
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	1
Census Block	1008
Census Tract	70300

Owner

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 Record
Mailing Address	103 JULIA DR, LINCOLNTON, NC 28092-4211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2019	Deed of Trust, Mortgage · Line of Credit FIRST FSB/LINCOLNTON
Feb 15, 2019	Warranty Deed, Transfer · Conventional with PMI FIRST FSB/LINCOLNTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2019 · Amount on Record
Deed Sale	Feb 15, 2019 · Amount on Record
Prior Sale	Jun 16, 2005 · Amount on Record
Deed Document Number	2019588882
Deed Book / Page	2797 / 896
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	103 JULIA DR, LINCOLNTON, NC 28092-4211
Document Number	285041
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 JULIA DR LINCOLNTON NC 280924211, LINCOLNTON, NC 28092-4211

Mortgage

Document Number	285041
Date	Sep 30, 2019
Book Page	002850/000041
Instrument	598488

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092-3398

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 29, 2034

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 15, 2019
Property Address	103 JULIA DR, LINCOLNTON, NC 28092-4211
Document Number	2797896
Book / Page	002797 / 000896
Instrument Date	Feb 15, 2019
Instrument	588882
Transaction Type	Transfer
Record Updated	Feb 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 JULIA DR LINCOLNTON NC 280924211, LINCOLNTON, NC 28092-4211

Mortgage

Document Number	2797898
Date	Feb 15, 2019
Book Page	002797/000898
Instrument	588883

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092-3398

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2049

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,369.00 (+0.6%)	$323,288 (-) Land $32,000 Building $291,288	$323,288 (-) Land $32,000 Building $291,288
2023	$3,349.00	$323,288 Land $32,000 Building $291,288	$323,288 Land $32,000 Building $291,288

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 LINCOLNTON serves 16,309 people · EPA ID NC0155010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026–2028) 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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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