Lincoln County property record for 1085 Startown Rd, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,058 sqft · built 2022 |
| Lot Size | 3.04 acres (132,814 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,000 (Jul 2021) |
| Tax Bill | $3,304 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Jun 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3623-49-2903 |
| Primary APN | 3623-49-2903 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,058 sqft Living Area |
| Basement Area | 1,544 sqft |
| Unfinished Basement | 1,544 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Custom Design |
| Lot Area | 132,814 sqft (3.04 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 255156 |
|---|---|
| Street Address | 1085 STARTOWN RD |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-7347 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-25 |
| Legal Description | #6 CHARLES A BEATTY MAP#2 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 70800 |
Source: Lincoln County assessment roll, as of August 12, 2025
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 File |
|---|---|
| Mailing Address | 1085 STARTOWN RD, LINCOLNTON, NC 28092-7347 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jun 20, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK OF LINCOLNTON |
| Nov 16, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK OF LINCOLNTON |
| Jul 23, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 23, 2021 · Amount on Record |
| Deed Sale | Jul 23, 2021 · Amount on Record |
| Deed Document Number | 2021635574 |
| Deed Book / Page | 3065 / 499 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1085 STARTOWN RD, LINCOLNTON, NC 28092-7347 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 1085 STARTOWN RD, LINCOLNTON, NC 28092-7347 |
| Document Number | 0003293470 |
|---|---|
| Date | Dec 7, 2023 |
| Book Page | 3293/470 |
| Instrument | 674886 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1085 STARTOWN RD, LINCOLNTON, NC 28092-7347 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 124, LINCOLNTON, NC 28093-0124 |
| Document Number | 0003257743 |
|---|---|
| Date | Jun 20, 2023 |
| Book Page | 3257/743 |
| Instrument | 668564 |
| Name | FIRST FEDERAL SAVINGS BANK OF LINCOLNTON |
|---|---|
| Type | Bank |
| Address | LINCOLNTON, NC 28092 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 25, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1085 STARTOWN RD, LINCOLNTON, NC 28092-7347 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2023 |
| Title Company | ABSOLUTE TITLE |
| Name | Verified Name |
|---|---|
| Address | 2539 BLAKE CT, LINCOLNTON, NC 28092-7439 |
| Document Number | 0003107611 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 3107/611 |
| Instrument | 642685 |
| Name | FIRST FEDERAL SAVINGS BANK OF LINCOLNTON |
|---|---|
| Type | Bank |
| Address | LINCOLNTON, NC 28092 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jul 23, 2021 |
| Property Address | 1085 STARTOWN RD, LINCOLNTON, NC 28092-7347 |
| Document Number | 0003065499 |
| Book / Page | 3065 / 499 |
| Map Reference | MB 20 PG 11 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 635574 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $90.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 979 STARTOWN RD, LINCOLNTON, NC 28092-7346 |
| Name | Verified Name |
|---|---|
| Address | 2539 BLAKE CT, LINCOLNTON, NC 28092-7439 |
Source: Lincoln County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,304.00 (+168.62%) | $523,870 (+177.93%) Land $44,752 Building $479,118 | $523,870 (+177.93%) Land $44,752 Building $479,118 |
| 2023 | $1,230.00 | $188,487 Land $44,752 Building $143,735 | $188,487 Land $44,752 Building $143,735 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 48% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Source: FCC Broadband Data Collection, based on 28 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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