1237 Howards Creek Mill Rd, Vale, NC 28168 Property Records

Lincoln County property record for 1237 Howards Creek Mill Rd, Vale, NC 28168

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,540 sqft · built 1964
Lot Size	0.932 acres (40,598 sqft)
Owner	Company Name on Record
Last Sale	$131,000 (Jul 2020)
Tax Bill	$1,485 (2026)
Deeds & Mortgages	Aug 2021 Transfer Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2694-69-7942`

Property Details

APN / Parcel Number

Primary APN	`2694-69-7942`
Alternative APNs	`269400697942` `286328` `309669` `13322`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	40,598 sqft (0.932 acres)
Storage Building	209 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	309669
Street Address	1237 HOWARDS CREEK MILL RD
City	VALE
State	NC
Zip	28168-6712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	RHYNE HMST RD 1194
Jurisdiction	LINCOLN NC
Township / Civil Division	HOWARDS CREEK
Census Block Group	2
Census Block	2007
Census Tract	70700

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	Company Name on Record
Mailing Address	1246 HOWARDS CREEK MILL RD, VALE, NC 28168-6712
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Intrafamily Transfer, Transfer
Jul 29, 2020	Grant Deed, Transfer FIRST FSB/LINCOLNTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2020 · Amount on Record
Deed Sale	Jul 29, 2020 · Amount on Record
Deed Document Number	2020612949
Deed Book / Page	2933 / 133
Prior Transfer Date	Jul 28, 2020
Prior Transfer Doc	0002933133
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	Aug 27, 2021
Property Address	1237 HOWARDS CREEK MILL RD, VALE, NC 28168-6712
Document Number	0003077785
Book / Page	3077 / 785
Instrument Date	Aug 27, 2021
Instrument	637649
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1246 HOWARDS CREEK MILL RD, VALE, NC 28168-6712

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 29, 2020
Property Address	1237 HOWARDS CREEK MILL RD, VALE, NC 28168-6712
Document Number	2933133
Book / Page	002933 / 000133
Instrument Date	Jul 28, 2020
Instrument	612949
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$272.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1246 HOWARDS CREEK MILL RD VALE NC 281686712, VALE, NC 28168-6712

Mortgage

Document Number	2933135
Date	Jul 29, 2020
Book Page	002933/000135
Instrument	612950

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092-3398

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2050

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Lincoln County
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,485.00	$215,614 (-) Land $32,660 Building $182,954	$215,614 (-) Land $32,660 Building $182,954
2025	$1,485.00 (+1.37%)	$215,614 (-) Land $32,660 Building $182,954	$215,614 (-) Land $32,660 Building $182,954
2023	$1,465.00	$215,614 Land $32,660 Building $182,954	$215,614 Land $32,660 Building $182,954

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	2 in force
Nearby Flood Claims	2 (2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2020 · rainfall accumulation

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 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.05% 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	LINCOLN COUNTY WTP serves 49,693 people · EPA ID NC0155035
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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