187 Drum St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 187 Drum St, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,259 sqft · built 1976
Lot Size	4.44 acres (193,494 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,500 (Apr 2019)
Tax Bill	$4,296 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3643-17-4986`

Property Details

APN / Parcel Number

Primary APN	`3643-17-4986`
Alternative APNs	`364305174986` `250041` `28723`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,259 sqft Living Area
Basement Area	971 sqft
Finished Basement	971 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	193,494 sqft (4.44 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	250041
Street Address	187 DRUM ST
City	LINCOLNTON
State	NC
Zip	28092-4112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8 & R-15
Legal Description	HOUSE AND LAND RD 1559
Legal Subdivision	BOST STREET
Jurisdiction	LINCOLN NC
Township / Civil Division	IRONTON
Census Block Group	3
Census Block	3000
Census Tract	70201

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	2 Individual Names on Record
Mailing Address	187 DRUM ST, LINCOLNTON, NC 28092-4112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 29, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage ROUNDPOINT MTG SVCNG
Jul 19, 2018	Warranty Deed, Construction Loan · Construction Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2019 · Amount on Record
Deed Sale	Apr 29, 2019 · Amount on Record
Prior Sale	Jul 19, 2018 · Amount on Record
Deed Document Number	2019591844
Deed Book / Page	2812 / 500
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	187 DRUM ST, LINCOLNTON, NC 28092-4112
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003007515
Date	Feb 17, 2021
Book Page	3007/515
Instrument	625466

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Jun 1, 2049

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Apr 29, 2019
Property Address	187 DRUM ST, LINCOLNTON, NC 28092-4112
Document Number	2812500
Book / Page	002812 / 000500
Instrument Date	Apr 29, 2019
Instrument	591844
Transaction Type	Subdivision Related Transfer
Record Updated	May 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$551.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	187 DRUM ST LINCOLNTON NC 280924112, LINCOLNTON, NC 28092-4112

Mortgage

Document Number	2812503
Date	Apr 29, 2019
Book Page	002812/000503
Instrument	591845

Lender

Name	ROUNDPOINT MTG SVCNG
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2049

July 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 19, 2018
Property Address	187 DRUM ST, LINCOLNTON, NC 28092-4112
Document Number	2757195
Book / Page	002757 / 000195
Instrument Date	Jul 5, 2018
Instrument	580764
Transaction Type	Construction Loan
Record Updated	Jul 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1521 VINE ST BELMONT CA 940023741, BELMONT, CA 94002-3741
Investor	Possibly a Property Investor

Mortgage

Document Number	2757198
Date	Jul 19, 2018
Book Page	002757/000198
Instrument	580765

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	2121 PARK PL # 250, EL SEGUNDO, CA 90245-4705

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 18, 2019

Tax Assessment & Valuation

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	$4,296.00 (+0.47%)	$416,025 (-) Land $50,590 Building $365,435	$416,025 (-) Land $50,590 Building $365,435
2023	$4,276.00	$416,025 Land $50,590 Building $365,435	$416,025 Land $50,590 Building $365,435

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
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

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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