Lincoln County property record for 282 Cowans Ford Rd, Stanley, NC 28164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,804 sqft · built 1982 |
| Lot Size | 1.19 acres (51,836 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Aug 2021) |
| Tax Bill | $2,336 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4611-36-8809 |
| Primary APN | 4611-36-8809 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,804 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 51,836 sqft (1.19 acres) |
| Garage Area | 1,225 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Storage Building | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 286237 |
|---|---|
| Street Address | 282 COWANS FORD RD |
| City | STANLEY |
| State | NC |
| Zip | 28164-8792 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-T |
| Legal Description | 1 STEVEN & LISA HAIMBAUGH |
| Legal Subdivision | COWANS FORD ESTATES |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | CATAWBA SPRINGS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 71102 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 282 COWANS FORD RD, STANLEY, NC 28164-8792 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2021 · Amount on Record |
| Deed Sale | Aug 20, 2021 · Amount on Record |
| Prior Sale | Mar 16, 2016 · Amount on Record |
| Deed Document Number | 2021637263 |
| Deed Book / Page | 3075 / 557 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Aug 20, 2021 |
| Property Address | 282 COWANS FORD RD, STANLEY, NC 28164-8792 |
| Document Number | 3075557 |
| Book / Page | 3075 / 557 |
| Map Reference | MB 15 PG 172 |
| Instrument Date | Aug 19, 2021 |
| Instrument | 637263 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1932 N NC 16 BUSINESS HWY, 1932, DENVER, NC 28037-8251 |
| Name | Verified Name |
|---|---|
| Address | 282 COWANS FORD RD, STANLEY, NC 28164-8792 |
| Document Number | 637264 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 637264 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,336.00 (+18.7%) | $363,604 (+18.3%) Land $39,824 Building $323,780 | $363,604 (+18.3%) Land $39,824 Building $323,780 |
| 2023 | $1,968.00 | $307,356 Land $39,824 Building $267,532 | $307,356 Land $39,824 Building $267,532 |
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 | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
5G (outdoors only) and 4G LTE
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