1401 Arden Dr, Lincolnton, NC 28092 Property Records

Lincoln County property record for 1401 Arden Dr, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,997 sqft · built 1974
Lot Size	0.647 acres (28,183 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Jul 2022)
Tax Bill	$3,476 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3644-94-3786`

Property Details

APN / Parcel Number

Primary APN	`3644-94-3786`
Alternative APNs	`364416943786` `242821` `291710` `23021`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,997 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	28,183 sqft (0.647 acres)
Garage Area	891 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	291710
Street Address	1401 ARDEN DR
City	LINCOLNTON
State	NC
Zip	28092-7497
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	ARDEN OAKS OFF 150
Jurisdiction	LINCOLN NC
Township / Civil Division	IRONTON
Census Block Group	1
Census Block	1005
Census Tract	70202

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1401 ARDEN DR, LINCOLNTON, NC 28092-7497
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 19, 2022	Warranty Deed, Transfer · Conventional Mortgage PREMIER PROCESSING LLC
Sep 5, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 5, 2019	Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG
Oct 6, 2017	Grant Deed, Transfer · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Oct 6, 2017 · Amount on Record
Deed Document Number	2022655159
Deed Book / Page	3181 / 619
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	1401 ARDEN DR, LINCOLNTON, NC 28092-7497
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 ARDEN DR, LINCOLNTON, NC 28092-7497

Mortgage

Document Number	0003178410
Date	Jul 5, 2022
Book Page	3178/410
Instrument	654577

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 19, 2022
Property Address	1401 ARDEN DR, LINCOLNTON, NC 28092-7497
Document Number	0003181619
Book / Page	3181 / 619
Instrument Date	Jul 14, 2022
Instrument	655159
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	375 TADPOLE LN, 375, TAYLORSVILLE, NC 28681-8051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 ARDEN DR, LINCOLNTON, NC 28092-7497

Mortgage

Document Number	0000655160
Date	Jul 19, 2022
Instrument	655160

Lender

Name	PREMIER PROCESSING LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	1401 ARDEN DR, LINCOLNTON, NC 28092-7497
Document Number	2858572
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1401 ARDEN DR LINCOLNTON NC 280927497, LINCOLNTON, NC 28092-7497

Mortgage

Document Number	2858572
Date	Nov 1, 2019
Book Page	002858/000572
Instrument	600011

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LINCOLN NC
Property Address	1401 ARDEN DR, LINCOLNTON, NC 28092-7497
Document Number	2858565
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1401 ARDEN DR LINCOLNTON NC 280927497, LINCOLNTON, NC 28092-7497

Mortgage

Document Number	2858565
Date	Nov 1, 2019
Book Page	002858/000565
Instrument	600010

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 6, 2017
Property Address	1401 ARDEN DR, LINCOLNTON, NC 28092-7497
Document Number	2697963
Book / Page	002697 / 000963
Instrument Date	Oct 6, 2017
Instrument	569082
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$506.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7411 GATE KEY CT STANLEY NC 281646811, STANLEY, NC 28164-6811

Mortgage

Document Number	2697967
Date	Oct 6, 2017
Book Page	002697/000967
Instrument	569083

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2047

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	$3,476.00 (+31.57%)	$512,204 (+26.72%) Land $38,000 Building $474,204	$512,204 (+26.72%) Land $38,000 Building $474,204
2023	$2,642.00	$404,188 Land $38,000 Building $366,188	$404,188 Land $38,000 Building $366,188

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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