113 Saddle Tree Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 113 Saddle Tree Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,319 sqft · built 2024
Lot Size	2.83 acres (123,493 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Nov 2023)
Tax Bill	$8,279 (2026)
Deeds & Mortgages	Feb 2024 Construction Loan Nov 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3633-50-2605`

Property Details

APN / Parcel Number

Primary APN	`3633-50-2605`
Alternative APNs	`363319501820` `287177` `302494` `00573`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,319 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Custom Design
Lot Area	123,493 sqft (2.83 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	302494
Street Address	113 SADDLE TREE RD
City	LINCOLNTON
State	NC
Zip	28092-8793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	#7 OAK FOREST
Legal Subdivision	OAK FOREST SUBDIVISION
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	1
Census Block	1035
Census Tract	70300

Owner

113 Saddle Tree Rd is owned by two individuals who acquired it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	204 DAYTON RD, DALLAS, NC 28034-7815
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Intrafamily Transfer, Transfer · Construction Mortgage THE FIDELITY BANK
Nov 30, 2023	Warranty Deed, Transfer
Oct 15, 2021	Warranty Deed, Transfer · Line of Credit FIRST CITIZENS BANK & TRUST CO
Nov 22, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2023 · Amount on File
Deed Sale	Nov 30, 2023 · Amount on File
Prior Sale	Oct 15, 2021 · Amount on File
Deed Document Number	2023674643
Deed Book / Page	3292 / 236
Last Transfer Date	Feb 12, 2024
Transfer Doc	0003307630
Record Updated	Oct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	Feb 27, 2024
Property Address	113 SADDLETREE RD, LINCOLNTON, NC 28092-8793
Document Number	0003307630
Book / Page	3307 / 630
Map Reference	MB C PG 166
Instrument Date	Feb 12, 2024
Instrument	677487
Transaction Type	Transfer
Record Updated	Mar 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 DAYTON RD, DALLAS, NC 28034-7815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 DAYTON RD, DALLAS, NC 28034-7815

Mortgage

Document Number	0000677488
Date	Feb 27, 2024
Instrument	677488

Lender

Name	THE FIDELITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	13 Months
Due	Mar 1, 2025

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 30, 2023
Property Address	SADDLE TREE RD, LINCOLNTON, NC 28092
Document Number	0003292236
Book / Page	3292 / 236
Map Reference	MB C PG 166
Instrument Date	Nov 30, 2023
Instrument	674643
Transaction Type	Transfer
Record Updated	Dec 20, 2023

Transaction

Amount	Amount on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1809 CORDIA CIR, NEWTON, NC 28658-7808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 DAYTON RD, DALLAS, NC 28034-7815

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 15, 2021
Property Address	SADDLE TREE RD, LINCOLNTON, NC 28092
Document Number	0000309625
Book / Page	3096 / 25
Map Reference	MB C PG 166
Instrument Date	Oct 15, 2021
Instrument	640750
Transaction Type	Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	910 S ASPEN ST, 910, LINCOLNTON, NC 28092-3108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10305 LAURIE LN, AUSTIN, TX 78747-1803

Mortgage

Document Number	0000640751
Date	Oct 15, 2021
Instrument	640751

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 22, 2017
Property Address	SADDLE TREE RD, LINCOLNTON, NC 28092
Document Number	2707973
Book / Page	002707 / 000973
Instrument Date	Nov 22, 2017
Instrument	570994
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$166.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 N FLINT ST LINCOLNTON NC 280923018, LINCOLNTON, NC 28092-3018

Tax Assessment & Valuation

The 2026 property tax bill for 113 Saddle Tree Rd was $8,279.

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	$8,279.00	$814,770 (-) Land $62,891 Building $751,879	$814,770 (-) Land $62,891 Building $751,879
2025	$8,279.00	$814,770 Land $62,891 Building $751,879	$814,770 Land $62,891 Building $751,879
2023	$588.00	$58,891 Land $58,891	$58,891 Land $58,891

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 113 Saddle Tree Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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

Wildfire risk around 113 Saddle Tree Rd is low, with a 0.04% annual chance of 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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