206 E Main St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 206 E Main St, Lincolnton, NC 28092

Property Summary

Property Type	Office Building
Details	7,380 sqft · built 1920
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on Record
Tax Bill	$5,090 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3623-84-6212`

Property Details

APN / Parcel Number

Primary APN	`3623-84-6212`
Alternative APNs	`362316846212` `17374` `9227`

Interior

Stories	2 Stories
Building Area	7,380 sqft Finished Area

Exterior

Year Built	Built 1920
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	3,920 sqft (0.089 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	9227
Old Parcel Number	362316846212
Street Address	206 E MAIN ST
City	LINCOLNTON
State	NC
Zip	28092-3333
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	C-B
Legal Description	EAST MAIN BARBER SHP
Legal Block	84
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	2
Census Block	2000
Census Tract	70100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lincolnton Commercial Historic District listed 2005 · 64 contributing resources · NRIS 05001419

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lincoln County records, as of November 17, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3804 EMERALD LN, GASTONIA, NC 28056-8831
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
Oct 8, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
Jan 10, 2017	Deed of Trust, Mortgage · Line of Credit CAROLINA TR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 1984
Deed Sale	Jun 15, 1984
Deed Document Number	0000061519
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	206 E MAIN ST, LINCOLNTON, NC 28092-3333
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 38, LINCOLNTON, NC 28093-0038

Mortgage

Document Number	3014895
Date	Mar 5, 2021
Book Page	3014/895
Instrument	626601

Lender

Name	FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
Type	Bank
Address	LINCOLNTON, NC 28092

Agreement

Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	206 E MAIN ST, LINCOLNTON, NC 28092-3333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 EMERALD LN, GASTONIA, NC 28056-8831

Mortgage

Document Number	2960338
Date	Oct 8, 2020
Book Page	2960/338
Instrument	617544

Lender

Name	FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
Type	Bank
Address	LINCOLNTON, NC 28092

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 7, 2025

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	206 E MAIN ST, LINCOLNTON, NC 28092-3333
Document Number	2640986
Book / Page	002640 / 000986
Instrument Date	Jan 10, 2017
Transaction Type	Mortgage
Record Updated	Mar 22, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 EMERALD LN GASTONIA NC 280568831, GASTONIA, NC 28056-8831

Mortgage

Document Number	2640986
Date	Jan 17, 2017
Book Page	002640/000986
Instrument	557658

Lender

Name	CAROLINA TR BK
Type	Bank
Address	LINCOLNTON, NC 28093

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of January 1, 2023

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
2023	$5,090.00	$497,587 Land $49,000 Building $448,587	$497,587 Land $49,000 Building $448,587

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
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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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