Lincoln County property record for 222 E Carter St, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,264 sqft · built 1946 |
| Lot Size | 0.342 acres (14,898 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $520,000 (Aug 2025) |
| Tax Bill | $4,971 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3623-91-8947 |
| Primary APN | 3623-91-8947 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,264 sqft Living Area |
| Basement Area | 1,530 sqft |
| Unfinished Basement | 1,530 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 14,898 sqft (0.342 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 311631 |
|---|---|
| Street Address | 222 E CARTER ST |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-3208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | PTS13-18D DR L A CROWELL |
| Legal Subdivision | CROWELL |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 70100 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 222 E CARTER ST, LINCOLNTON, NC 28092-3208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · FHA Mortgage NATIONAL HOME MORTGAGE CORPORATION |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage C&F MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2025 · Amount on Record |
| Deed Sale | Aug 5, 2025 · Amount on Record |
| Prior Sale | Aug 17, 2016 · Amount on Record |
| Deed Document Number | 2025697545 |
| Deed Book / Page | 3428 / 238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 28, 2026 |
| Property Address | 222 E CARTER ST, LINCOLNTON, NC 28092-3208 |
| Document Number | 0000710239 |
| Book / Page | 3507 / 224 |
| Instrument Date | May 22, 2026 |
| Instrument | 2026710239 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ATLAS TITLE |
| Name | Verified Name |
|---|---|
| Address | 222 E CARTER ST, LINCOLNTON, NC 28092-3208 |
| Document Number | 0000710239, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 3507/224 |
| Instrument | 2026710239 |
| Name | NATIONAL HOME MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 222 E CARTER ST, LINCOLNTON, NC 28092-3208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2967338 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 2967/338 |
| Instrument | 618676 |
| Name | C&F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MIDLOTHIAN, VA 23113 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Municipality | Lincolnton City |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,971.00 | $483,642 (-) Land $28,000 Building $455,642 | $483,642 (-) Land $28,000 Building $455,642 |
| 2025 | $4,971.00 (+0.4%) | $483,642 (-) Land $28,000 Building $455,642 | $483,642 (-) Land $28,000 Building $455,642 |
| 2023 | $4,951.00 | $483,642 Land $28,000 Building $455,642 | $483,642 Land $28,000 Building $455,642 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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