216 N Cedar St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 216 N Cedar St, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,814 sqft · built 1935
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$373,000 (Oct 2021)
Tax Bill	$4,020 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3623-95-3191`

Property Details

APN / Parcel Number

Primary APN	`3623-95-3191`
Alternative APNs	`362312953191` `287134` `17021`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,814 sqft Living Area
Basement Area	926 sqft
Unfinished Basement	926 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	10,890 sqft (0.25 acres)
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	287134
Street Address	216 N CEDAR ST
City	LINCOLNTON
State	NC
Zip	28092-3304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	216 N CEDAR ST
Legal Subdivision	THE WRENSHALL BLOCK
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	5
Census Block	5042
Census Tract	70100

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	216 N CEDAR ST, LINCOLNTON, NC 28092-3304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit BANK NATIONAL ASSOCIATION
Oct 12, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 30, 2019	Deed of Trust, Mortgage · Conventional with PMI FIRST FED'L SVGS BK
Aug 16, 2018	Warranty Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY
Jan 5, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2021 · Amount on Record
Deed Sale	Oct 12, 2021 · Amount on Record
Prior Sale	Aug 16, 2018 · Amount on Record
Deed Document Number	2021640490
Deed Book / Page	3094 / 469
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	Jun 29, 2026
Property Address	216 N CEDAR ST, LINCOLNTON, NC 28092-3304
Document Number	0000711628
Book / Page	3516 / 142
Instrument Date	Jun 23, 2026
Instrument	2026711628
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE ESCROW, SILK TITLE AND ESCROW

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000711628,
Date	Jun 29, 2026
Book Page	3516/142
Instrument	2026711628

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 29, 2046

Interest

Rate	6.53%
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 12, 2021
Property Address	216 N CEDAR ST, LINCOLNTON, NC 28092-3304
Document Number	3094469
Book / Page	3094 / 469
Instrument Date	Oct 12, 2021
Instrument	640490
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$746.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	708 S POPLAR ST, 708, LINCOLNTON, NC 28092-3230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 N CEDAR ST, LINCOLNTON, NC 28092-3304

Mortgage

Document Number	640491
Date	Oct 12, 2021
Instrument	640491

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	216 N CEDAR ST, LINCOLNTON, NC 28092-3304
Document Number	284450
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 N CEDAR ST LINCOLNTON NC 280923304, LINCOLNTON, NC 28092-3304

Mortgage

Document Number	284450
Date	Sep 5, 2019
Book Page	002844/000050
Instrument	597411

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092-3398

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Aug 16, 2018
Property Address	216 N CEDAR ST, LINCOLNTON, NC 28092-3304
Document Number	2763486
Book / Page	002763 / 000486
Instrument Date	Aug 16, 2018
Instrument	582055
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	216 N CEDAR ST LINCOLNTON NC 280923304, LINCOLNTON, NC 28092-3304

Mortgage

Document Number	2763489
Date	Aug 16, 2018
Book Page	002763/000489
Instrument	582056

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2048

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	216 N CEDAR ST, LINCOLNTON, NC 28092-3304
Document Number	2641267
Book / Page	002641 / 000267
Instrument Date	Jan 5, 2017
Transaction Type	Mortgage
Record Updated	Mar 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	216 N CEDAR ST LINCOLNTON NC 280923304, LINCOLNTON, NC 28092-3304

Mortgage

Document Number	2641267
Date	Jan 18, 2017
Book Page	002641/000267
Instrument	557721

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$4,020.00 (-10.07%)	$433,480 (-) Land $31,000 Building $402,480	$433,480 (-) Land $31,000 Building $402,480
2025	$4,470.00 (+0.45%)	$433,480 (-) Land $31,000 Building $402,480	$433,480 (-) Land $31,000 Building $402,480
2023	$4,450.00	$433,480 Land $31,000 Building $402,480	$433,480 Land $31,000 Building $402,480

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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 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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