Lincoln County property record for 204 Gilbert Rd, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,000 sqft · built 1966 |
| Lot Size | 0.505 acres (21,998 sqft) |
| Owner | Individual Name on File |
| Last Sale | $31,000 (Jul 1994) |
| Tax Bill | $528 (2026) |
| Deeds & Mortgages | Sep 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 3603-28-7057 |
| Primary APN | 3603-28-7057 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,000 sqft Living Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 21,998 sqft (0.505 acres) |
| Account Number | 96616 |
|---|---|
| Street Address | 204 GILBERT RD |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-0726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | COOK HM/LOT RD 1201 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | HOWARDS CREEK |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 70700 |
204 Gilbert Rd is owned and occupied by an individual who bought it in July 1994.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 204 GILBERT RD, LINCOLNTON, NC 28092-0726 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 1994 · Amount on File |
| Deed Sale | Jul 21, 1994 · Amount on File |
| Deed Book / Page | 875 / 348 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 204 GILBERT RD, LINCOLNTON, NC 28092-0726 |
| Document Number | 2950277 |
| Instrument Date | Sep 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 2950277 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 002950/000277 |
| Instrument | 615822 |
| Name | PEOPLES BK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658-0467 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Sep 13, 2023 |
The 2026 property tax bill for 204 Gilbert Rd was $528.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $528.00 | $61,210 Land $25,028 Building $36,182 | $61,210 Land $25,028 Building $36,182 |
| 2023 | $508.00 | $61,210 Land $25,028 Building $36,182 | $61,210 Land $25,028 Building $36,182 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 204 Gilbert Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Nov 2020 · rainfall accumulation |
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 risk around 204 Gilbert Rd 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 65% of the US · above 48% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 40 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 |
5G (outdoors only) and 4G LTE
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