3224 Harmon Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3224 Harmon Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1991
Lot Size	1.92 acres (83,766 sqft)
Owner	2 Individual Names on File
Last Sale	$282,000 (Dec 2025)
Tax Bill	$1,608 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Dec 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3603-63-9076`

Property Details

APN / Parcel Number

Primary APN	`3603-63-9076`
Alternative APNs	`360300639065` `288022` `314210` `54560`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	83,766 sqft (1.92 acres)
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	314210
Street Address	3224 HARMON RD
City	LINCOLNTON
State	NC
Zip	28092-1776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-T
Legal Description	#25-27 HEAVNERS FARM 2/1
Legal Subdivision	FARM PROPERTY HEAVNERS
Jurisdiction	LINCOLN NC
Township / Civil Division	HOWARDS CREEK
Census Block Group	1
Census Block	1032
Census Tract	70500

Owner

3224 Harmon Rd is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3224 HARMON RD, LINCOLNTON, NC 28092-1776
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 6, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 3, 2025	Warranty Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE CO
Oct 21, 2025	Warranty Deed, Transfer · Commercial Mortgage WHGG II TRUST
Nov 1, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
May 19, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on File
Deed Sale	Dec 3, 2025 · Amount on File
Prior Sale	Oct 21, 2025 · Amount on File
Deed Document Number	2025702727
Deed Book / Page	3460 / 506
Prior Transfer Date	May 19, 2017
Prior Transfer Doc	26660789
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3224 HARMON RD, LINCOLNTON, NC 28092-1776
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003303484
Date	Feb 6, 2024
Book Page	3303/484
Instrument	676746

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Dec 3, 2025
Property Address	3224 HARMON RD, LINCOLNTON, NC 28092-1776
Document Number	0003460506
Book / Page	3460 / 506
Map Reference	MB F PG 312
Instrument Date	Dec 3, 2025
Instrument	702727
Transaction Type	Transfer
Record Updated	Dec 16, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3224 HARMON RD, LINCOLNTON, NC 28092-1776

Mortgage

Document Number	0000702728
Date	Dec 3, 2025
Instrument	702728

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 21, 2025
Property Address	3224 HARMON RD, LINCOLNTON, NC 28092-1776
Document Number	0003448360
Book / Page	3448 / 360
Map Reference	MB F PG 312
Instrument Date	Oct 7, 2025
Instrument	700898
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	STEWART TITLE COMPANY-FOR, STEWART TITLE CO OFFERPAD

Transaction

Amount	Amount on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1620 BAYMONT CT, STANLEY, NC 28164-2331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 S FARMER AVE # 500, 500, TEMPE, AZ 85281-2875
Investor	Possibly a Property Investor

Mortgage

Document Number	0000700899
Date	Oct 21, 2025
Instrument	700899

Lender

Name	WHGG II TRUST
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 1, 2021
Property Address	3224 HARMON RD, LINCOLNTON, NC 28092-1776
Document Number	3102451
Book / Page	3102 / 451
Instrument Date	Oct 14, 2021
Instrument	641805
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2467 HARLAN ST, 2467, EDGEWATER, CO 80214-1150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 HARMON RD, LINCOLNTON, NC 28092-1776

Mortgage

Document Number	641806
Date	Nov 1, 2021
Instrument	641806

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN NC
Recording Date	May 19, 2017
Property Address	3224 HARMON RD, LINCOLNTON, NC 28092-1776
Document Number	2666789
Book / Page	002666 / 000789
Instrument Date	May 19, 2017
Instrument	562994
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7234 SIFFORD RD STANLEY NC 281647711, STANLEY, NC 28164-7711

Tax Assessment & Valuation

The 2026 property tax bill for 3224 Harmon Rd was $1,608.

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	$1,608.00	$231,499 (-) Land $68,000 Building $163,499	$231,499 (-) Land $68,000 Building $163,499
2025	$1,608.00	$231,499 Land $68,000 Building $163,499	$231,499 Land $68,000 Building $163,499
2023	$1,588.00	$231,499 Land $68,000 Building $163,499	$231,499 Land $68,000 Building $163,499

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

Flood

FEMA maps place 3224 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 3224 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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