3200 River Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3200 River Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 2002
Lot Size	0.608 acres (26,484 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Nov 2025)
Tax Bill	$1,371 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3625-37-4066`

Property Details

APN / Parcel Number

Primary APN	`3625-37-4066`
Alternative APNs	`362500374066` `246271` `313660` `72407`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	26,484 sqft (0.608 acres)
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	313660
Street Address	3200 RIVER RD
City	LINCOLNTON
State	NC
Zip	28092-9532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#3 RITCHIE FARMS SUB
Legal Subdivision	RITCHIE FARMS
Legal Tract	3
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3018
Census Tract	70800

Owner

3200 River Rd is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3200 RIVER RD, LINCOLNTON, NC 28092-9532
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
Oct 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 7, 2025	Warranty Deed, Transfer · FHA Mortgage GOPRIME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2025 · Amount on File
Deed Sale	Nov 7, 2025 · Amount on File
Prior Sale	Apr 30, 2013 · Amount on File
Deed Document Number	2025701757
Deed Book / Page	3454 / 39
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3200 RIVER RD, LINCOLNTON, NC 28092-9532
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003204581
Date	Oct 18, 2022
Book Page	3204/581
Instrument	659238

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 7, 2025
Property Address	3200 RIVER RD, LINCOLNTON, NC 28092-9532
Document Number	0000345439
Book / Page	3454 / 39
Map Reference	MB H PG 216
Instrument Date	Nov 7, 2025
Instrument	701757
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5961 BEAM LUMBER RD, VALE, NC 28168-8735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3200 RIVER RD, LINCOLNTON, NC 28092-9532

Mortgage

Document Number	0000701758
Date	Nov 7, 2025
Instrument	701758

Lender

Name	GOPRIME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 3200 River Rd was $1,371, up 0.8% from the year before.

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	$1,371.00 (+0.81%)	$202,147 (-) Land $26,000 Building $176,147	$202,147 (-) Land $26,000 Building $176,147
2025	$1,360.00	$202,147 Land $26,000 Building $176,147	$202,147 Land $26,000 Building $176,147
2023	$1,310.00	$202,147 Land $26,000 Building $176,147	$202,147 Land $26,000 Building $176,147

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

Flood

FEMA maps place 3200 River 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 3200 River 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 63% of the US · above 51% 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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