117 Saddle Tree Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 117 Saddle Tree Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,307 sqft · built 1968
Lot Size	2.14 acres (93,523 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Apr 2016)
Tax Bill	$5,129 (2026)
Deeds & Mortgages	Mar 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3633-50-6543`

Property Details

APN / Parcel Number

Primary APN	`3633-50-6543`
Alternative APNs	`363319506543` `258491` `16951`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,307 sqft Living Area
Basement Area	2,060 sqft
Finished Basement	2,060 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	93,523 sqft (2.14 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	258491
Street Address	117 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	OAK FOR. HM #9 R1262
Legal Subdivision	BOBBY & LOUELLA H TURNER PROP
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	2 Individual Names on Record
Mailing Address	117 SADDLE TREE RD, LINCOLNTON, NC 28092-8793
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2016 · Amount on Record
Deed Sale	Apr 29, 2016 · Amount on Record
Prior Sale	Aug 18, 2014 · Amount on Record
Deed Document Number	2016546536
Deed Book / Page	2584 / 241
Prior Transfer Date	Jan 30, 2013
Prior Transfer Doc	0023750700
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	117 SADDLETREE RD, LINCOLNTON, NC 28092-8793
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 SADDLETREE RD, LINCOLNTON, NC 28092-8793

Mortgage

Document Number	0003233116
Date	Mar 3, 2023
Book Page	3233/116
Instrument	664292

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2053

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	$5,129.00	$499,460 (-) Land $55,988 Building $443,472	$499,460 (-) Land $55,988 Building $443,472
2025	$5,129.00 (+0.39%)	$499,460 (-) Land $55,988 Building $443,472	$499,460 (-) Land $55,988 Building $443,472
2023	$5,109.00	$499,460 Land $55,988 Building $443,472	$499,460 Land $55,988 Building $443,472

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
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

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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