112 Saddle Tree Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 112 Saddle Tree Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,021 sqft · built 1970
Lot Size	1.17 acres (51,009 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Aug 2022)
Tax Bill	$7,590 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3633-50-1200`

Property Details

APN / Parcel Number

Primary APN	`3633-50-1200`
Alternative APNs	`363319501200` `290449` `292560` `17061`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,021 sqft Living Area
Basement Area	986 sqft
Finished Basement	986 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	51,009 sqft (1.17 acres)
Pool Type	Spa / Hot Tub (No Pool)
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	292560
Street Address	112 SADDLE TREE RD
City	LINCOLNTON
State	NC
Zip	28092-8756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	OAK FOREST #2
Legal Subdivision	OAK FOREST
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	1
Census Block	1035
Census Tract	70300

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	Individual Name on Record
Mailing Address	112 SADDLE TREE RD, LINCOLNTON, NC 28092-8756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 25, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS BANK OF LINCO
Apr 25, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 17, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2022 · Amount on Record
Deed Sale	Aug 25, 2022 · Amount on Record
Prior Sale	Apr 25, 2022 · Amount on Record
Deed Document Number	2022656916
Deed Book / Page	3191 / 765
Prior Transfer Date	Jul 12, 2010
Prior Transfer Doc	0021980433
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	112 SADDLE TREE RD, LINCOLNTON, NC 28092-8756
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 SADDLE TREE RD, LINCOLNTON, NC 28092-8756

Mortgage

Document Number	0000344854
Date	Oct 17, 2025
Book Page	3448/54
Instrument	700832

Lender

Name	FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
Type	Bank
Address	LINCOLNTON, NC 28092

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 25, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	112 SADDLETREE RD, LINCOLNTON, NC 28092-8756
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003132178
Date	Jan 31, 2022
Book Page	3132/178
Instrument	646745

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Feb 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.37%
Index	Other
Max Rate	7.37%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Aug 25, 2022
Property Address	112 SADDLETREE RD, LINCOLNTON, NC 28092-8756
Document Number	0003191765
Book / Page	3191 / 765
Map Reference	MB C PG 166
Instrument Date	Aug 23, 2022
Instrument	656916
Transaction Type	Transfer
Record Updated	Sep 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	733 MCALWAY RD, 733, CHARLOTTE, NC 28211-1413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 SADDLETREE RD, LINCOLNTON, NC 28092-8756

Mortgage

Document Number	0000656919
Date	Aug 25, 2022
Instrument	656919

Lender

Name	FIRST FEDERAL SAVINGS BANK OF LINCO
Type	Bank

Agreement

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

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Apr 25, 2022
Property Address	112 SADDLETREE RD, LINCOLNTON, NC 28092-8756
Document Number	0000315966
Book / Page	3159 / 66
Map Reference	MB C PG 166
Instrument Date	Apr 22, 2022
Instrument	651233
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 SADDLETREE RD, 112, LINCOLNTON, NC 28092-8756

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000651234
Date	Apr 25, 2022
Instrument	651234

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	112 SADDLETREE RD, LINCOLNTON, NC 28092-8756
Document Number	2711158
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 SADDLETREE RD LINCOLNTON NC 280928756, LINCOLNTON, NC 28092-8756

Mortgage

Document Number	2711158
Date	Dec 8, 2017
Book Page	002711/000158
Instrument	571602

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2047

Interest

Rate Type	Adjustable Rate

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	$7,590.00	$745,768 (-) Land $46,052 Building $699,716	$745,768 (-) Land $46,052 Building $699,716
2025	$7,590.00 (+0.26%)	$745,768 (-) Land $46,052 Building $699,716	$745,768 (-) Land $46,052 Building $699,716
2023	$7,570.00	$745,768 Land $46,052 Building $699,716	$745,768 Land $46,052 Building $699,716

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	0.04% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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