2595 Gates Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 2595 Gates Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,306 sqft · built 1997
Lot Size	1.15 acres (50,312 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Apr 2022)
Tax Bill	$3,571 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3631-79-2768`

Property Details

APN / Parcel Number

Primary APN	`3631-79-2768`
Alternative APNs	`363102793704` `290400` `73121`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,306 sqft Living Area
Basement Area	1,404 sqft
Unfinished Basement	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	50,312 sqft (1.15 acres)
Pool Area	540 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	290400
Street Address	2595 GATES RD
City	LINCOLNTON
State	NC
Zip	28092-7970
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-S
Legal Description	PAMELA F SMITH&STEPHEN L
Legal Subdivision	RECOMBINATION
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	2
Census Block	2037
Census Tract	70300

Owner

Source: Lincoln County records, as of October 13, 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	2595 GATES RD, LINCOLNTON, NC 28092-7970
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Warranty Deed, Transfer · VA Mortgage BARRETT FINANCIAL GROUP LLC
Mar 29, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 2, 2021	Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Deed Document Number	2022650084
Deed Book / Page	3152 / 548
Prior Transfer Date	Mar 29, 2022
Prior Transfer Doc	0003150579
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Apr 1, 2022
Property Address	2595 GATES RD, LINCOLNTON, NC 28092-7970
Document Number	0003152548
Book / Page	3152 / 548
Map Reference	MB 16 PG 304
Instrument Date	Apr 1, 2022
Instrument	650084
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2595 GATES RD, LINCOLNTON, NC 28092-7970

Mortgage

Document Number	0000650085
Date	Apr 1, 2022
Instrument	650085

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN NC
Recording Date	Mar 29, 2022
Property Address	2595 GATES RD, LINCOLNTON, NC 28092-7970
Document Number	0003150579
Book / Page	3150 / 579
Instrument Date	Mar 29, 2022
Instrument	649778
Transaction Type	Transfer
Record Updated	Apr 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2955 GATES RD, LINCOLNTON, NC 28092-7953

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	2595 GATES RD, LINCOLNTON, NC 28092-7970
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	310365
Date	Nov 2, 2021
Book Page	3103/65
Instrument	641908

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,571.00 (+3.84%)	$528,742 (-) Land $24,552 Building $504,190	$528,742 (-) Land $24,552 Building $504,190
2025	$3,439.00 (+0.58%)	$528,742 (-) Land $24,552 Building $504,190	$528,742 (-) Land $24,552 Building $504,190
2023	$3,419.00	$528,742 Land $24,552 Building $504,190	$528,742 Land $24,552 Building $504,190

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.06% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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