320 E Main St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 320 E Main St, Lincolnton, NC 28092

Property Summary

Property Type	Bank, Financial Building
Details	20,676 sqft · built 1960
Lot Size	1.04 acres (45,302 sqft)
Owner	Company Name on Record
Tax Bill	$55,180 (2025)
Deeds & Mortgages	Jan 2022 Construction Loan Sep 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`3623-94-1346`

Property Details

APN / Parcel Number

Primary APN	`3623-94-1346`
Alternative APNs	`362316941387` `149130` `00901`

Interior

Stories	2 Stories
Building Area	20,676 sqft Total Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	45,302 sqft (1.04 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	149130
Street Address	320 E MAIN ST
City	LINCOLNTON
State	NC
Zip	28092-3398
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	C-B
Legal Description	FF LOTS ON E MAIN ST
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3012
Census Tract	70100

Owner

Source: Lincoln County records, as of August 12, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	320 E MAIN ST, LINCOLNTON, NC 28092-3398
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
Sep 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 6, 2017
Transfer Doc	26920323
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	320 E MAIN ST, LINCOLNTON, NC 28092-3398
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2715 WYANT RD, VALE, NC 28168-7749

Mortgage

Document Number	0003130832
Date	Jan 27, 2022
Book Page	3130/832
Instrument	646527

Lender

Name	FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
Type	Bank
Address	LINCOLNTON, NC 28092

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN NC
Recording Date	Sep 12, 2017
Property Address	320 E MAIN ST, LINCOLNTON, NC 28092-3398
Document Number	2692323
Book / Page	002692 / 000323
Instrument Date	Sep 6, 2017
Instrument	567932
Transaction Type	Transfer
Record Updated	Sep 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	320 E MAIN ST LINCOLNTON NC 280923398, LINCOLNTON, NC 28092-3398

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 12, 2025

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
2025	$55,180.00 (+0.04%)	$5,509,553 (-) Land $530,524 Building $4,979,029	$5,509,553 (-) Land $530,524 Building $4,979,029
2023	$55,160.00	$5,509,553 Land $530,524 Building $4,979,029	$5,509,553 Land $530,524 Building $4,979,029

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

Flood

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 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 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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