1643 Flag Ln, Vale, NC 28168 Property Records

Lincoln County property record for 1643 Flag Ln, Vale, NC 28168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,227 sqft · built 2004
Lot Size	0.746 acres (32,496 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Feb 2026)
Tax Bill	$1,417 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3604-47-8328`

Property Details

APN / Parcel Number

Primary APN	`3604-47-8328`
Alternative APNs	`360400478328` `246084` `81187`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,227 sqft Living Area

Exterior

Year Built	Built 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	32,496 sqft (0.746 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	246084
Old Parcel Number	360400478328
Street Address	1643 FLAG LN
City	VALE
State	NC
Zip	28168-9711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-R
Legal Description	#41 LOT DOE PARK PHASEIII
Legal Subdivision	DOE PARK PH 03
Legal Block	47
Legal Lot Number	41
Jurisdiction	LINCOLN NC
Township / Civil Division	HOWARDS CREEK
Census Block Group	1
Census Block	1021
Census Tract	70700

Owner

Source: Lincoln County assessment roll, APN 3604-47-8328, as of January 1, 2025 · Last verified February 2026

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

Owner of Record	Individual Name on File
Mailing Address	1643 FLAG LN, VALE, NC 28168-9711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 10, 2026 · Amount on Record
Deed Sale	Feb 10, 2026 · Amount on Record
Prior Sale	Jun 28, 2016 · Amount on Record
Deed Document Number	705247
Deed Book / Page	3476 / 348
Record Updated	Jun 08, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 10, 2026
Property Address	1643 FLAG LN, VALE, NC 28168-9711
Document Number	0003476348
Book / Page	3476 / 348
Map Reference	MB 12 PG 74&75
Instrument Date	Feb 09, 2026
Instrument	705247
Transaction Type	Transfer
Record Updated	Feb 23, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	606 WINTERS DR, SPENCERVILLE, OH 45887-1340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1643 FLAG LN, VALE, NC 28168-9711

Mortgage

Document Number	0000705248
Date	Feb 10, 2026
Instrument	705248

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Type Change Date	Mar 01, 2031
Change Frequency	5 Years
Min Rate At Change	3.65%
Max Rate At Change	7.65%
Index	5-Year CMT
Max Rate	11.6%

Tax Assessment & Valuation

Source: Lincoln County assessment roll as of January 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,417.00 (+1.43%)	$204,742 (-) Land $22,000 Building $182,742	$204,742 (-) Land $22,000 Building $182,742
2023	$1,397.00	$204,742 Land $22,000 Building $182,742	$204,742 Land $22,000 Building $182,742

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lincoln County (37109C), as of January 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371090707001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · other causes

Wildfire

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 41 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20