2478 Ridge Run Ln, Vale, NC 28168 Property Records

Lincoln County property record for 2478 Ridge Run Ln, Vale, NC 28168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,471 sqft · built 2019
Lot Size	0.471 acres (20,560 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Jun 2019)
Tax Bill	$2,220 (2023)
Deeds & Mortgages	Jun 2022 Line of Credit Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2685-88-3197`

Property Details

APN / Parcel Number

Primary APN	`2685-88-3197`
Alternative APNs	`268500883197` `273281` `78634`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,471 sqft Finished Area

Exterior

Year Built	Built 2019
Architectural Style	Custom Design
Lot Area	20,560 sqft (0.471 acres)
Pool Area	648 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	273281
Old Parcel Number	268500883197
Street Address	2478 RIDGE RUN LN
City	VALE
State	NC
Zip	28168-9601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-S
Legal Description	#17 GREEN VALLEY FARMS SB
Legal Subdivision	GREEN VLY FARMS
Legal Block	88
Jurisdiction	LINCOLN NC
Township / Civil Division	HOWARDS CREEK
Census Block Group	1
Census Block	1032
Census Tract	70600

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
Mailing Address	2478 RIDGE RUN LN, VALE, NC 28168-9601
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 17, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Mar 14, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Jun 27, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESIDE FIN'L
Feb 4, 2019	Warranty Deed, Construction Loan · Line of Credit FIRST FSB/LINCOLNTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2019 · Amount on Record
Deed Sale	Jun 27, 2019 · Amount on Record
Prior Sale	Feb 4, 2019 · Amount on Record
Deed Document Number	0002827162
Deed Book / Page	2827 / 162
Record Updated	Jun 7, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	2478 RIDGE RUN LN, VALE, NC 28168-9601
Transaction Type	Mortgage
Record Updated	Jun 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003173700
Date	Jun 15, 2022
Book Page	3173/700
Instrument	653741

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	LINCOLNTON, NC 28093

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	2478 RIDGE RUN LN, VALE, NC 28168-9601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2986475
Date	Dec 17, 2020
Book Page	2986/475
Instrument	621939

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	2478 RIDGE RUN LN, VALE, NC 28168-9601
Document Number	2891853
Instrument Date	Mar 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2478 RIDGE RUN LN VALE NC 281689601, VALE, NC 28168-9601

Mortgage

Document Number	2891853
Date	Mar 20, 2020
Book Page	002891/000853
Instrument	606107

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 27, 2019
Property Address	2478 RIDGE RUN LN, VALE, NC 28168-9601
Document Number	2827162
Book / Page	002827 / 000162
Instrument Date	Jun 27, 2019
Instrument	594383
Transaction Type	Transfer
Record Updated	Jul 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$398.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6102 BILL SAIN RD VALE NC 281688777, VALE, NC 28168-8777

Mortgage

Document Number	2827165
Date	Jun 27, 2019
Book Page	002827/000165
Instrument	594384

Lender

Name	HOMESIDE FIN'L
Address	COLUMBIA, MD 21044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2049

February 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 4, 2019
Property Address	2478 RIDGE RUN LN, VALE, NC 28168-9601
Document Number	2795633
Book / Page	002795 / 000633
Instrument Date	Feb 1, 2019
Instrument	588403
Transaction Type	Construction Loan
Record Updated	Feb 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$18.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7324 REEPS GROVE CHURCH RD VALE NC 281688602, VALE, NC 28168-8602

Mortgage

Document Number	2795636
Date	Feb 4, 2019
Book Page	002795/000636
Instrument	588404

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 3, 2020

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
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,220.00	$336,673 Land $22,000 Building $314,673	$336,673 Land $22,000 Building $314,673

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 Claims	1 (2013)
Most Recent Claim	Jul 2013 · Severe Storms, Flooding, Landslides, Mudslides

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	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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