Lincoln County property record for 109 Julia Dr, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,203 sqft · built 1982 |
| Lot Size | 0.574 acres (25,003 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $183,000 (Nov 2018) |
| Tax Bill | $3,628 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3633-84-2783 |
| Primary APN | 3633-84-2783 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,203 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 25,003 sqft (0.574 acres) |
| Storage Building | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 238918 |
|---|---|
| Street Address | 109 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#32 1294 |
| Legal Subdivision | LITHIA HILLS |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 70300 |
109 Julia Dr is owned and occupied by two individuals who bought it in November 2018.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 JULIA DR, LINCOLNTON, NC 28092-4211 |
| 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 |
|---|---|
| Nov 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Nov 14, 2018 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2018 · Amount on File |
| Deed Sale | Nov 14, 2018 · Amount on File |
| Deed Document Number | 2018585590 |
| Deed Book / Page | 2781 / 723 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 109 JULIA DR, LINCOLNTON, NC 28092-4211 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 JULIA DR, LINCOLNTON, NC 28092-4211 |
| Document Number | 0003209924 |
|---|---|
| Date | Nov 7, 2022 |
| Book Page | 3209/924 |
| Instrument | 660143 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 109 JULIA DR, LINCOLNTON, NC 28092-4211 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2922816 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 2922/816 |
| Instrument | 611235 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Nov 14, 2018 |
| Property Address | 109 JULIA DR, LINCOLNTON, NC 28092-4211 |
| Document Number | 2781723 |
| Book / Page | 002781 / 000723 |
| Instrument Date | Nov 14, 2018 |
| Instrument | 585590 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $366.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 JULIA DR LINCOLNTON NC 280924211, LINCOLNTON, NC 28092-4211 |
| Document Number | 2781725 |
|---|---|
| Date | Nov 14, 2018 |
| Book Page | 002781/000725 |
| Instrument | 585591 |
| Name | ATLANTIC BAY MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 13, 2048 |
The 2026 property tax bill for 109 Julia Dr was $3,628.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Municipality | Lincolnton City |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,628.00 | $349,186 Land $32,000 Building $317,186 | $349,186 Land $32,000 Building $317,186 |
| 2023 | $3,608.00 | $349,186 Land $32,000 Building $317,186 | $349,186 Land $32,000 Building $317,186 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Julia Dr in Zone X, an area of minimal flood risk.
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 risk around 109 Julia Dr 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 93% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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