116 E Main St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 116 E Main St, Lincolnton, NC 28092

Property Summary

Property Type	Office Building
Details	5,510 sqft · built 1925
Lot Size	0.128 acres (5,576 sqft)
Owner	Company Name on Record
Last Sale	$141,500 (May 2019)
Tax Bill	$3,124 (2023)
Deeds & Mortgages	May 2022 Mortgage May 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3623-84-3098`

Property Details

APN / Parcel Number

Primary APN	`3623-84-3098`
Alternative APNs	`362316843098` `262807` `15620`

Interior

Stories	1 Story
Building Area	5,510 sqft Finished Area
Gross Area	7,200 sqft

Exterior

Year Built	Built 1925
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	5,576 sqft (0.128 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	262807
Old Parcel Number	362316843098
Street Address	116 E MAIN ST
City	LINCOLNTON
State	NC
Zip	28092-2725
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	C-B
Legal Description	HEAVNER BLDG.E MAIN
Legal Subdivision	SOUTHEAST WARD
Legal Block	84
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	2
Census Block	2001
Census Tract	70100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lincolnton Commercial Historic District listed 2005 · 64 contributing resources · NRIS 05001419

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lincoln County records, as of November 17, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	341 E MAIN ST, LINCOLNTON, NC 28092-3334
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Commercial Mortgage UNITED BANK
May 10, 2019	Warranty Deed, Transfer · Line of Credit MENDALL G SMITH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2019 · Amount on Record
Deed Sale	May 10, 2019 · Amount on Record
Deed Document Number	0002815132
Deed Book / Page	2815 / 132
Record Updated	Jun 7, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	116 E MAIN ST, LINCOLNTON, NC 28092-2725
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	LENNAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 S POPLAR ST, LINCOLNTON, NC 28092-3321

Mortgage

Document Number	0003161503
Date	May 2, 2022
Book Page	3161/503
Instrument	651614

Lender

Name	UNITED BANK
Type	Bank
Address	BRASSTOWN, NC 28902

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	May 10, 2019
Property Address	116 E MAIN ST, LINCOLNTON, NC 28092-2725
Document Number	2815132
Book / Page	002815 / 000132
Instrument Date	May 10, 2019
Instrument	592337
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$283.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	201 S POPLAR ST LINCOLNTON NC 280923321, LINCOLNTON, NC 28092-3321

Mortgage

Document Number	2815135
Date	May 10, 2019
Book Page	002815/000135
Instrument	592338

Lender

Name	MENDALL G SMITH
Address	3323 TAMWORTH LN, GASTONIA, NC 28052-4440
Special Notes	Seller Financed

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	May 9, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of January 1, 2023

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
2023	$3,124.00	$288,768 Land $72,710 Building $216,058	$288,768 Land $72,710 Building $216,058

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	0.01% 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 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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