110 Shell St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 110 Shell St, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 1978
Lot Size	0.942 acres (41,034 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Sep 2024)
Tax Bill	$2,911 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3634-33-7700`

Property Details

APN / Parcel Number

Primary APN	`3634-33-7700`
Alternative APNs	`363414337700` `280582` `294141` `306448` `50878`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
Basement Area	1,285 sqft
Finished Basement	1,285 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	41,034 sqft (0.942 acres)
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	306448
Street Address	110 SHELL ST
City	LINCOLNTON
State	NC
Zip	28092-8325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	J. GARRIS RD 1284
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	1
Census Block	1040
Census Tract	70201

Owner

Source: Lincoln County records, as of August 27, 2026

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 Record
Mailing Address	110 SHELL ST, LINCOLNTON, NC 28092-8325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
May 19, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 2, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2024 · Amount on Record
Deed Sale	Sep 11, 2024 · Amount on Record
Prior Sale	Nov 15, 2022 · Amount on Record
Deed Document Number	2024684993
Deed Book / Page	3351 / 896
Prior Transfer Date	Jul 28, 2020
Prior Transfer Doc	2933166
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 15, 2022
Property Address	110 SHELL ST, LINCOLNTON, NC 28092-8325
Document Number	0003211392
Book / Page	3211 / 392
Instrument Date	Nov 15, 2022
Instrument	660417
Transaction Type	Transfer
Record Updated	Nov 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4014 OLD GLORY DR, 4014, CONCORD, NC 28025-1608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 SHELL ST, LINCOLNTON, NC 28092-8325

Mortgage

Document Number	0000660418
Date	Nov 15, 2022
Instrument	660418

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	110 SHELL ST, LINCOLNTON, NC 28092-8325
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003166367
Date	May 19, 2022
Book Page	3166/367
Instrument	652466

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 2, 2020
Property Address	110 SHELL ST, LINCOLNTON, NC 28092-8325
Document Number	2958755
Book / Page	2958 / 755
Instrument Date	Oct 1, 2020
Instrument	617268
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1264 OAKLANE DR, 1264, LINCOLNTON, NC 28092-8534

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 SHELL ST, LINCOLNTON, NC 28092-8325

Mortgage

Document Number	617269
Date	Oct 2, 2020
Instrument	617269

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

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

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 29, 2020
Property Address	110 SHELL ST, LINCOLNTON, NC 28092-8325
Document Number	2933166
Book / Page	002933 / 000166
Instrument Date	Jul 28, 2020
Instrument	612953
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	264 OAKLANE DR LINCOLNTON NC 28092, LINCOLNTON, NC 28092

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	$2,911.00	$277,456 (-) Land $26,733 Building $250,723	$277,456 (-) Land $26,733 Building $250,723
2025	$2,911.00 (+0.69%)	$277,456 (-) Land $26,733 Building $250,723	$277,456 (-) Land $26,733 Building $250,723
2023	$2,891.00	$277,456 Land $26,733 Building $250,723	$277,456 Land $26,733 Building $250,723

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	0.01% 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 112 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
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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