2201 Wt Carpenter Dr, Lincolnton, NC 28092 Property Records

Lincoln County property record for 2201 Wt Carpenter Dr, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,793 sqft · built 1980
Lot Size	3.35 acres (146,187 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Oct 2018)
Tax Bill	$2,605 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3644-96-0707`

Property Details

APN / Parcel Number

Primary APN	`3644-96-0707`
Alternative APNs	`364412960717` `269925` `28058`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,793 sqft Living Area
Basement Area	1,686 sqft
Finished Basement	843 sqft
Unfinished Basement	843 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Lot Area	146,187 sqft (3.35 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Canopy	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	269925
Street Address	2201 WT CARPENTER DR
City	LINCOLNTON
State	NC
Zip	28092-7492
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	E MCCONNELL RD 1339
Jurisdiction	LINCOLN NC
Township / Civil Division	IRONTON
Census Block Group	1
Census Block	1004
Census Tract	70202

Owner

2201 Wt Carpenter Dr is owned and occupied by two individuals who bought it in October 2018.

Source: Lincoln County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2201 WT CARPENTER DR, LINCOLNTON, NC 28092-7492
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Oct 16, 2018	Warranty Deed, Transfer · Conventional with PMI FIRST FSB/LINCOLNTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2018 · Amount on File
Deed Sale	Oct 16, 2018 · Amount on File
Deed Document Number	2018584493
Deed Book / Page	2776 / 457
Prior Transfer Date	Feb 2, 2018
Prior Transfer Doc	0000573730
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	Aug 25, 2026
Property Address	2201 WT CARPENTER DR, LINCOLNTON, NC 28092-7492
Document Number	0000714188
Book / Page	3532 / 1
Instrument Date	Aug 20, 2026
Instrument	2026714188
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2201 WT CARPENTER DR, LINCOLNTON, NC 28092-7492

Mortgage

Document Number	0000714188,
Date	Aug 25, 2026
Book Page	3532/1
Instrument	2026714188

Lender

Name	HOMETRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 16, 2018
Property Address	2201 WT CARPENTER DR, LINCOLNTON, NC 28092-7492
Document Number	2776457
Book / Page	002776 / 000457
Instrument Date	Oct 16, 2018
Instrument	584493
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2201 WT CARPENTER DR LINCOLNTON NC 280927492, LINCOLNTON, NC 28092-7492

Mortgage

Document Number	2776460
Date	Oct 16, 2018
Book Page	002776/000460
Instrument	584494

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092-3398

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2201 Wt Carpenter Dr was $2,605.

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	$2,605.00	$395,059 Land $60,691 Building $334,368	$395,059 Land $60,691 Building $334,368
2023	$2,585.00	$395,059 Land $60,691 Building $334,368	$395,059 Land $60,691 Building $334,368

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

Flood

FEMA maps place 2201 Wt Carpenter Dr 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 2201 Wt Carpenter Dr is low, with a 0.02% annual chance of 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	0.02% 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	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 152 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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