321 S Cedar St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 321 S Cedar St, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,067 sqft · built 1900
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$77,000 (Apr 1993)
Tax Bill	$3,010 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3623-93-9804`

Property Details

APN / Parcel Number

Primary APN	`3623-93-9804`
Alternative APNs	`362316939804` `18821` `72914`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,067 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	21,344 sqft (0.49 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	72914
Street Address	321 S CEDAR ST
City	LINCOLNTON
State	NC
Zip	28092-3340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	321 S CEDAR ST
Legal Subdivision	LINCOLNTON
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3030
Census Tract	70100

Owner

321 S Cedar St is owned and occupied by two individuals who bought it in April 1993.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 S CEDAR ST, LINCOLNTON, NC 28092-3340
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
Mar 2, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
May 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST FSB/LINCOLNTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 1993 · Amount on File
Deed Sale	Apr 30, 1993 · Amount on File
Prior Sale	Feb 8, 1991 · Amount on File
Deed Book / Page	827 / 1
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	321 S CEDAR ST, LINCOLNTON, NC 28092-3340
Transaction Type	Mortgage
Record Updated	Mar 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S CEDAR ST, LINCOLNTON, NC 28092-3340

Mortgage

Document Number	0003141688
Date	Mar 2, 2022
Book Page	3141/688
Instrument	648324

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	321 S CEDAR ST, LINCOLNTON, NC 28092-3340
Document Number	2743619
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	May 25, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S CEDAR ST LINCOLNTON NC 280923340, LINCOLNTON, NC 28092-3340

Mortgage

Document Number	2743619
Date	May 18, 2018
Book Page	002743/000619
Instrument	578097

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092-3398

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 321 S Cedar St was $3,010.

Source: Lincoln County assessment roll, as of August 27, 2026

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
2026	$3,010.00	$287,320 (-) Land $31,838 Building $255,482	$287,320 (-) Land $31,838 Building $255,482
2025	$3,010.00	$287,320 Land $31,838 Building $255,482	$287,320 Land $31,838 Building $255,482
2023	$2,990.00	$287,320 Land $31,838 Building $255,482	$287,320 Land $31,838 Building $255,482

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

Flood

FEMA maps place 321 S Cedar St 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

Wildfire risk around 321 S Cedar St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% 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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