Lincoln County property record for 1295 Startown Rd, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,384 sqft · built 2019 |
| Lot Size | 4.27 acres (186,393 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $820,000 (Apr 2025) |
| Tax Bill | $4,664 (2026) |
| Deeds & Mortgages | Jul 2023 Line of Credit Mar 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3624-41-5751 |
| Primary APN | 3624-41-5751 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,384 sqft Living Area |
| Basement Area | 2,384 sqft |
| Finished Basement | 1,669 sqft |
| Unfinished Basement | 715 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Custom Design |
| Lot Area | 186,393 sqft (4.27 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 309771 |
|---|---|
| Street Address | 1295 STARTOWN RD |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-7069 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-25 |
| Legal Description | PT#2 LT HOWARD W WISEMAN |
| Legal Subdivision | HOWARD W & ELIZABETH E WISEMAN PROPERTY |
| Legal Lot Number | 2 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 70800 |
1295 Startown Rd is owned by two individuals who bought it in April 2025.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 990 RIVERWOOD LN, LINCOLNTON, NC 28092-7385 |
| 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.
| Date | Document |
|---|---|
| Jul 12, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK OF LINCOLNTON |
| Mar 30, 2020 | Deed of Trust, Mortgage · Line of Credit CRESCOM BANK |
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Dec 13, 2019 | Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK NA |
| Jan 17, 2019 | Warranty Deed, Transfer FIRST FSB/LINCOLNTON |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2025 · Amount on File |
| Deed Sale | Apr 15, 2025 · Amount on File |
| Prior Sale | Jan 17, 2019 · Amount on File |
| Deed Document Number | 2025693034 |
| Deed Book / Page | 3400 / 329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1295 STARTOWN RD, LINCOLNTON, NC 28092-7069 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1295 STARTOWN RD, LINCOLNTON, NC 28092-7069 |
| Document Number | 0003262747 |
|---|---|
| Date | Jul 12, 2023 |
| Book Page | 3262/747 |
| Instrument | 669430 |
| Name | FIRST FEDERAL SAVINGS BANK OF LINCOLNTON |
|---|---|
| Type | Bank |
| Address | LINCOLNTON, NC 28092 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 25, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1295 STARTOWN RD, LINCOLNTON, NC 28092-7069 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002894349 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | 2894/349 |
| Instrument | 606544 |
| Name | CRESCOM BANK |
|---|---|
| Type | Bank |
| Address | LINCOLNTON, NC 28093 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1295 STARTOWN RD, LINCOLNTON, NC 28092-7069 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0003038649 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 3038/649 |
| Instrument | 630720 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 1295 STARTOWN RD, LINCOLNTON, NC 28092-7069 |
| Document Number | 2869748 |
| Instrument Date | Dec 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1295 STARTOWN RD LINCOLNTON NC 28092, LINCOLNTON, NC 28092 |
| Document Number | 2869748 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 002869/000748 |
| Instrument | 602072 |
| Name | FIFTH THIRD BK NA |
|---|---|
| Address | CINCINNATI, OH 45227 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 16, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jan 17, 2019 |
| Property Address | 1295 STARTOWN RD, LINCOLNTON, NC 28092-7069 |
| Document Number | 2792170 |
| Book / Page | 002792 / 000170 |
| Instrument Date | Jan 16, 2019 |
| Instrument | 587729 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $84.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2186 OKLAHOMA CT LINCOLNTON NC 280927871, LINCOLNTON, NC 28092-7871 |
| Document Number | 2792173 |
|---|---|
| Date | Jan 17, 2019 |
| Book Page | 002792/000173 |
| Instrument | 587730 |
| Name | FIRST FSB/LINCOLNTON |
|---|---|
| Type | Federal Savings Bank |
| Address | LINCOLNTON, NC 28092-3398 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 16, 2049 |
The 2026 property tax bill for 1295 Startown Rd was $4,664, down 0.9% from the year before.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,664.00 (-0.89%) | $742,902 (-1.74%) Land $75,208 Building $667,694 | $742,902 (-1.74%) Land $75,208 Building $667,694 |
| 2025 | $4,706.00 | $756,086 Land $88,392 Building $667,694 | $756,086 Land $88,392 Building $667,694 |
| 2023 | $4,573.00 | $756,086 Land $88,392 Building $667,694 | $756,086 Land $88,392 Building $667,694 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1295 Startown Rd in Zone X, an area of minimal flood risk.
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 |
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 risk around 1295 Startown Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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