3199 Harmon Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3199 Harmon Rd, Lincolnton, NC 28092

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,680 sqft · built 1999
Lot Size	1.92 acres (83,940 sqft)
Owner	2 Individual Names on File
Last Sale	$16,000 (Apr 1998)
Tax Bill	$1,911 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3603-62-8576`

Property Details

APN / Parcel Number

Primary APN	`3603-62-8576`
Alternative APNs	`360300628576` `128671` `73932`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	83,940 sqft (1.92 acres)
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	128671
Street Address	3199 HARMON RD
City	LINCOLNTON
State	NC
Zip	28092-1775
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	R-T
Legal Description	VACANT LAND RD 1187
Legal Subdivision	DOUGLAS SHANE FRADY SURV
Jurisdiction	LINCOLN NC
Township / Civil Division	HOWARDS CREEK
Census Block Group	1
Census Block	1001
Census Tract	70500

Owner

3199 Harmon Rd, a residential property, is owned and occupied by two individuals who bought it in April 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	3199 HARMON RD, LINCOLNTON, NC 28092-1775
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
Dec 1, 2023	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Oct 12, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 16, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 1998 · Amount on File
Deed Sale	Apr 20, 1998 · Amount on File
Deed Book / Page	1041 / 63
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3199 HARMON RD, LINCOLNTON, NC 28092-1775
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003292666
Date	Dec 1, 2023
Book Page	3292/666
Instrument	674729

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 18, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3199 HARMON RD, LINCOLNTON, NC 28092-1775
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3199 HARMON RD, LINCOLNTON, NC 28092-1775

Mortgage

Document Number	2961336
Date	Oct 12, 2020
Book Page	2961/336
Instrument	617698

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Jun 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3199 HARMON RD, LINCOLNTON, NC 28092-1775
Document Number	3000527
Instrument Date	Jan 25, 2021
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3199 HARMON RD LINCOLNTON NC 280921775, LINCOLNTON, NC 28092-1775

Mortgage

Document Number	3000527
Date	Jan 29, 2021
Book Page	003000/000527
Instrument	624274

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 28, 2041

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3199 HARMON RD, LINCOLNTON, NC 28092-1775
Document Number	2743551
Instrument Date	May 16, 2018
Transaction Type	Mortgage
Record Updated	May 25, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3199 HARMON RD LINCOLNTON NC 280921775, LINCOLNTON, NC 28092-1775

Mortgage

Document Number	2743551
Date	May 18, 2018
Book Page	002743/000551
Instrument	578087

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3199 Harmon Rd was $1,911.

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	$1,911.00	$279,162 Land $35,396 Building $243,766	$279,162 Land $35,396 Building $243,766
2023	$1,891.00	$279,162 Land $35,396 Building $243,766	$279,162 Land $35,396 Building $243,766

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

Flood

FEMA maps place 3199 Harmon 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	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 3199 Harmon Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 52% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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