28 Circle Dr, Lincolnton, NC 28092 Property Records

Lincoln County property record for 28 Circle Dr, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,110 sqft · built 1920
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$261,000 (May 2026)
Tax Bill	$948 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Jul 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3633-96-7149`

Property Details

APN / Parcel Number

Primary APN	`3633-96-7149`
Alternative APNs	`363312967149` `281240` `146217` `317294` `22512`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,110 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Other
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)

Location & Zoning

Account Number	317294
Street Address	28 CIRCLE DR
City	LINCOLNTON
State	NC
Zip	28092-4202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	#25 BOGER & CRAWFORD
Legal Subdivision	BOGER AND CRAWFORD VILLAGE
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	2
Census Block	2028
Census Tract	70201

Owner

Source: Lincoln County records, as of October 9, 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	28 CIRCLE DR, LINCOLNTON, NC 28092-4202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Warranty Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE GROUP INC
Jul 8, 2022	Warranty Deed, Transfer
Nov 2, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jul 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Apr 24, 2025 · Amount on Record
Deed Document Number	2026710337
Deed Book / Page	3508 / 19
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	May 29, 2026
Property Address	28 CIRCLE DR, LINCOLNTON, NC 28092-4202
Document Number	0000350819
Book / Page	3508 / 19
Instrument Date	May 29, 2026
Instrument	2026710337
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52,722.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 CIRCLE DR, LINCOLNTON, NC 28092-4202

Mortgage

Document Number	0000710338,
Date	May 29, 2026
Instrument	2026710338

Lender

Name	ATLANTIC COAST MORTGAGE GROUP INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 8, 2022
Property Address	28 CIRCLE DR, LINCOLNTON, NC 28092-4202
Document Number	0003179234
Book / Page	3179 / 234
Map Reference	MB C PG 90
Instrument Date	Jul 8, 2022
Instrument	654727
Transaction Type	Transfer
Record Updated	Jul 19, 2022

Transaction

Amount	Amount Recorded
Tax	$100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 CIRCLE DR, 12, LINCOLNTON, NC 28092-4203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2416 WINDY KNOB TRL, LINCOLNTON, NC 28092-9611

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 2, 2020
Property Address	28 CIRCLE DR, LINCOLNTON, NC 28092-4202
Document Number	2969900
Book / Page	002969 / 000900
Instrument Date	Nov 2, 2020
Instrument	619070
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$60.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	28 CIRCLE DR LINCOLNTON NC 280924202, LINCOLNTON, NC 28092-4202

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	28 CIRCLE DR, LINCOLNTON, NC 28092-4202
Document Number	2678301
Book / Page	002678 / 000301
Instrument Date	Jul 3, 2017
Transaction Type	Mortgage
Record Updated	Jul 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4177 BLAIR RD MAIDEN NC 286509685, MAIDEN, NC 28650-9685

Mortgage

Document Number	2678301
Date	Jul 14, 2017
Book Page	002678/000301
Instrument	565288

Lender

Name	FIRST CITIZENS BK
Type	Bank
Address	RALEIGH, NC 27611-6592

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$948.00	$80,891 (-) Land $17,500 Building $63,391	$80,891 (-) Land $17,500 Building $63,391
2025	$948.00 (+2.16%)	$80,891 (-) Land $17,500 Building $63,391	$80,891 (-) Land $17,500 Building $63,391
2023	$928.00	$80,891 Land $17,500 Building $63,391	$80,891 Land $17,500 Building $63,391

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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.

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 172 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Nearby Properties on Circle Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures