174 Williams St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 174 Williams St, Lincolnton, NC 28092

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,046 sqft · built 2004
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on File
Tax Bill	$3,196 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3643-17-5772`

Property Details

APN / Parcel Number

Primary APN	`3643-17-5772`
Alternative APNs	`364305175772` `29483` `61771`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,046 sqft Total Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	11,500 sqft (0.264 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	61771
Street Address	174 WILLIAMS ST
City	LINCOLNTON
State	NC
Zip	28092-4111
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-8
Legal Description	D L DELLINGER RECOMB
Legal Subdivision	DAVID L DELLINGER
Jurisdiction	LINCOLN NC
Township / Civil Division	IRONTON
Census Block Group	3
Census Block	3000
Census Tract	70201

Owner

174 Williams St, a duplex, is owned by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1810 COUNTRY CLUB RD, LINCOLNTON, NC 28092-8717
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	174 WILLIAMS ST, LINCOLNTON, NC 28092-4111
Transaction Type	Mortgage
Record Updated	Jan 6, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000312114
Date	Dec 22, 2021
Book Page	3121/14
Instrument	644843

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	174 WILLIAMS ST, LINCOLNTON, NC 28092-4111
Document Number	28821
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	174 WILLIAMS ST #176 LINCOLNTON NC 280924111, 176, LINCOLNTON, NC 28092-4111

Mortgage

Document Number	28821
Date	Feb 11, 2020
Book Page	002882/000001
Instrument	604352

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 10, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 174 Williams St was $3,196.

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	$3,196.00	$291,966 Land $22,000 Building $269,966	$291,966 Land $22,000 Building $269,966
2023	$3,456.00	$321,961 Land $22,000 Building $299,961	$321,961 Land $22,000 Building $299,961

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

Flood

FEMA maps place 174 Williams St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 174 Williams St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 48% 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	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 205 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 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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