2704 Highland Dr, Lincolnton, NC 28092 Property Records

Lincoln County property record for 2704 Highland Dr, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,140 sqft · built 2003
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Oct 2023)
Tax Bill	$2,309 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3643-09-4490`

Property Details

APN / Parcel Number

Primary APN	`3643-09-4490`
Alternative APNs	`364305094490` `139749` `303439` `55272`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	18,295 sqft (0.42 acres)
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	303439
Street Address	2704 HIGHLAND DR
City	LINCOLNTON
State	NC
Zip	28092-4157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	#1 LOT LYNN T BOWDEN SUB
Legal Subdivision	LYNN T BOWDEN
Legal Lot Number	1
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3002
Census Tract	70201

Owner

2704 Highland Dr is owned and occupied by two individuals who bought it in October 2023.

Source: Lincoln County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2704 HIGHLAND DR, LINCOLNTON, NC 28092-4157
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
Mar 9, 2026	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 16, 2024	Deed of Trust, Mortgage · Line of Credit CARDINAL FINANCIAL COMPANY LP
Oct 24, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage GREGORY JAMES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2023 · Amount on File
Deed Sale	Oct 24, 2023 · Amount on File
Prior Sale	Sep 9, 2003 · Amount on File
Deed Document Number	2023673353
Deed Book / Page	3284 / 643
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	2704 HIGHLAND DR, LINCOLNTON, NC 28092-4157
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003483777
Date	Mar 9, 2026
Book Page	3483/777
Instrument	706439

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	2704 HIGHLAND DR, LINCOLNTON, NC 28092-4157
Transaction Type	Mortgage
Record Updated	May 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033184
Date	Apr 16, 2024
Book Page	3318/4
Instrument	679272

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 24, 2023
Property Address	2704 HIGHLAND DR, LINCOLNTON, NC 28092-4157
Document Number	0003284643
Book / Page	3284 / 643
Map Reference	MB 11 PG 492
Instrument Date	Oct 19, 2023
Instrument	673353
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1465 N 11TH ST, FRESNO, CA 93703-4214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 WILLOWBROOK AVE, ROCK HILL, SC 29730-4637

Mortgage

Document Number	0000673354
Date	Oct 24, 2023
Instrument	673354

Lender

Name	GREGORY JAMES
Type	Private Party

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	6 Months
Due	Apr 21, 2024

Tax Assessment & Valuation

The 2026 property tax bill for 2704 Highland Dr was $2,309.

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	$2,309.00	$217,198 Land $18,400 Building $198,798	$217,198 Land $18,400 Building $198,798
2023	$2,278.00	$216,024 Land $18,400 Building $197,624	$216,024 Land $18,400 Building $197,624

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

Flood

FEMA maps place 2704 Highland Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2704 Highland Dr is low, with a 0.03% 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	0.03% 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 205 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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