Lincoln County property record for 3192 Ora Smith Rd, Lincolnton, NC 28092
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.041 acres (1,786 sqft) |
| Owner | Individual Name on File |
| Last Sale | $228,500 (May 2026) |
| Tax Bill | $129 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3624-88-7210 |
| Primary APN | 3624-88-7210 |
|---|---|
| Alternative APNs |
|
| Lot Area | 1,786 sqft (0.041 acres) |
|---|
| Account Number | 316832 |
|---|---|
| Street Address | 3192 ORA SMITH RD |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-9609 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | PRD |
| Legal Description | 237 CLARK CREEK LANDING |
| Legal Subdivision | CLARK CREEK LANDING PHASE 1 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 70800 |
3192 Ora Smith Rd, residential vacant land, is owned by an individual who bought it in May 2026.
Source: Lincoln County records, as of October 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 222 BENJAMIN CT, FORT MILL, SC 29707-6800 |
| Owner Type | Individual |
| Vesting | Married |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 6, 2026 | Special Warranty Deed · Conventional Mortgage DHI MORTGAGE COMPANY LP |
| May 6, 2026 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 6, 2026 · Amount on File |
| Deed Sale | May 6, 2026 · Amount on File |
| Prior Sale | Nov 14, 2024 · Amount on File |
| Deed Document Number | 2026709230 |
| Deed Book / Page | 3501 / 318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 6, 2026 |
| Property Address | 3192 ORA SMITH RD, LINCOLNTON, NC 28092-9609 |
| Document Number | 0000709230 |
| Book / Page | 3501 / 318 |
| Instrument Date | May 6, 2026 |
| Instrument | 2026.709230 |
| Record Updated | May 20, 2026 |
| Title Company | ANCONA TITLE, NONA TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $46,157.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 222 BENJAMIN CT, FORT MILL, SC 29707-6800 |
| Investor | Possibly a Property Investor |
| Document Number | 0000709231, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 2026..709231 |
| Name | DHI MORTGAGE COMPANY LP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 6, 2026 |
| Property Address | 3192 ORA SMITH RD, LINCOLNTON, NC 28092-9609 |
| Document Number | 0003501318 |
| Book / Page | 3501 / 318 |
| Instrument Date | May 6, 2026 |
| Instrument | 2026709230 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONA TITLE INC, NONA TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $46,157.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 222 BENJAMIN CT, FORT MILL, SC 29707-6800 |
| Investor | Possibly a Property Investor |
| Document Number | 0000709231, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 2026709231 |
| Name | DHI MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 3192 Ora Smith Rd was $129, up 101.6% from the year before.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Municipality | Lincolnton City |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $129.00 (+101.56%) | $13,000 (-) Land $13,000 | $13,000 (-) Land $13,000 |
| 2025 | $64.00 | $13,000 Land $13,000 | $13,000 Land $13,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3192 Ora Smith Rd 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 | 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.
Wildfire risk around 3192 Ora Smith Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% 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 7 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 |
| Verizon Fixed Wireless | 300 / 20 |
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