1902 McClain Trl, Lincolnton, NC 28092 Property Records

Lincoln County property record for 1902 McClain Trl, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,048 sqft · built 1993
Lot Size	0.692 acres (30,144 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,193 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3644-67-6883`

Property Details

APN / Parcel Number

Primary APN	`3644-67-6883`
Alternative APNs	`364407679749` `312444` `58476` `64734`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,048 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	30,144 sqft (0.692 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	312444
Street Address	1902 MCCLAIN TRL
City	LINCOLNTON
State	NC
Zip	28092-7612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-S
Legal Description	SARAH MCCLAIN LAND
Jurisdiction	LINCOLN NC
Township / Civil Division	IRONTON
Census Block Group	1
Census Block	1000
Census Tract	70202

Owner

1902 McClain Trl is owned and occupied by two individuals who acquired it in September 2025.

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 File
Mailing Address	1902 MCCLAIN TRL, LINCOLNTON, NC 28092-7612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage INDEPENDENCE HOME LOANS LLC
Oct 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 20, 2025
Transfer Doc	0000344160
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	Sep 24, 2025
Property Address	1902 MCCLAIN TRL, LINCOLNTON, NC 28092-7612
Document Number	0000344160
Book / Page	3441 / 60
Instrument Date	Sep 20, 2025
Instrument	699722
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	UNISOURCE NATIONAL LENDER SERVICES LL, UNISOURCE NATL LENDER SVCS

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1902 MCCLAIN TRL, LINCOLNTON, NC 28092-7612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 MCCLAIN TRL, LINCOLNTON, NC 28092-7612

Mortgage

Document Number	0000699723
Date	Sep 24, 2025
Instrument	699723

Lender

Name	INDEPENDENCE HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2040

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	1902 MCCLAIN TRL, LINCOLNTON, NC 28092-7612
Document Number	2854822
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1902 MCCLAIN TRL LINCOLNTON NC 280927612, LINCOLNTON, NC 28092-7612

Mortgage

Document Number	2854822
Date	Oct 17, 2019
Book Page	002854/000822
Instrument	599337

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 16, 2029

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	1902 MCCLAIN TRL, LINCOLNTON, NC 28092-7612
Document Number	2790965
Instrument Date	Jan 5, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1902 MCCLAIN TRL #TRI LINCOLNTON NC 280927612, LINCOLNTON, NC 28092-7612

Mortgage

Document Number	2790965
Date	Jan 9, 2019
Book Page	002790/000965
Instrument	587456

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 8, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 1902 McClain Trl was $1,193.

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	$1,193.00	$168,875 (-) Land $24,000 Building $144,875	$168,875 (-) Land $24,000 Building $144,875
2025	$1,193.00	$168,875 Land $24,000 Building $144,875	$168,875 Land $24,000 Building $144,875
2023	$1,173.00	$168,875 Land $24,000 Building $144,875	$168,875 Land $24,000 Building $144,875

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

Flood

FEMA maps place 1902 McClain Trl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1902 McClain Trl is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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