105 McKellar St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 105 McKellar St, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 2004
Lot Size	0.437 acres (19,036 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Nov 2022)
Tax Bill	$3,203 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Nov 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3633-72-1895`

Property Details

APN / Parcel Number

Primary APN	`3633-72-1895`
Alternative APNs	`363315721895` `280657` `293839` `00717`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,504 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	19,036 sqft (0.437 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	293839
Street Address	105 MCKELLAR ST
City	LINCOLNTON
State	NC
Zip	28092-8647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	WELLINGTON PARK PT#3
Legal Subdivision	WELLINGTON PARK
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	1
Census Block	1018
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	105 MCKELLAR ST, LINCOLNTON, NC 28092-8647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 3, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 8, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jul 28, 2017	Deed of Trust, Mortgage AMERICAN ADVISORS
Jul 28, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2022 · Amount on Record
Deed Sale	Nov 3, 2022 · Amount on Record
Prior Sale	Oct 8, 2020 · Amount on Record
Deed Document Number	2022660024
Deed Book / Page	3209 / 350
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	105 MCKELLAR ST, LINCOLNTON, NC 28092-8647
Transaction Type	Mortgage
Record Updated	Jun 29, 2023
Title Company	SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 MCKELLAR ST, LINCOLNTON, NC 28092-8647

Mortgage

Document Number	0000325679
Date	Jun 13, 2023
Book Page	3256/79
Instrument	668238

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 3, 2022
Property Address	105 MCKELLAR ST, LINCOLNTON, NC 28092-8647
Document Number	0003209350
Book / Page	3209 / 350
Map Reference	MB E PG 99
Instrument Date	Nov 1, 2022
Instrument	660024
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8940 JACOB FORK RIVER RD, 8940, VALE, NC 28168-8942

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 MCKELLAR ST, LINCOLNTON, NC 28092-8647

Mortgage

Document Number	0000660025
Date	Nov 3, 2022
Instrument	660025

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 8, 2020
Property Address	105 MCKELLAR ST, LINCOLNTON, NC 28092-8647
Document Number	2960641
Book / Page	2960 / 641
Map Reference	MB E PG 99
Instrument Date	Oct 8, 2020
Instrument	617596
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 SCOTT RD, 40, PINEHURST, NC 28374-9206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 MCKELLAR ST, LINCOLNTON, NC 28092-8647

Mortgage

Document Number	617597
Date	Oct 8, 2020
Instrument	617597

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	105 MCKELLAR ST, LINCOLNTON, NC 28092-8647
Document Number	2686149
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 MCKELLAR ST LINCOLNTON NC 280928647, LINCOLNTON, NC 28092-8647

Mortgage

Document Number	2686149
Date	Aug 17, 2017
Book Page	002686/000149
Instrument	566771

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Amount	Amount Recorded
Term	912 Months
Due	Aug 16, 2093

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	105 MCKELLAR ST, LINCOLNTON, NC 28092-8647
Document Number	2686166
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 MCKELLAR ST LINCOLNTON NC 280928647, LINCOLNTON, NC 28092-8647

Mortgage

Document Number	2686166
Date	Aug 17, 2017
Book Page	002686/000166
Instrument	566772

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WA 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	912 Months
Due	Aug 16, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.61%

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	$3,203.00 (+0.63%)	$306,631 (-) Land $29,200 Building $277,431	$306,631 (-) Land $29,200 Building $277,431
2023	$3,183.00	$306,631 Land $29,200 Building $277,431	$306,631 Land $29,200 Building $277,431

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	Direct burnable vegetation

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 108 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

May also be available: AT&T.

Nearby Properties on McKellar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures