Lincoln County property record for 3228 Springfield Dr, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,846 sqft · built 1973 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (May 2026) |
| Tax Bill | $2,196 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3631-32-9872 |
| Primary APN | 3631-32-9872 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,846 sqft Living Area |
| Basement Area | 1,846 sqft |
| Unfinished Basement | 1,846 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 24,829 sqft (0.57 acres) |
| Deck Area | 560 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 316984 |
|---|---|
| Street Address | 3228 SPRINGFIELD DR |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-9336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | #31&PT#56 WHISPERING |
| Legal Subdivision | WORTH HOFFMAN LANDS |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 70400 |
3228 Springfield Dr is owned and occupied by two individuals who bought it in May 2026.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3228 SPRINGFIELD DR, LINCOLNTON, NC 28092-9336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 15, 2026 | Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 15, 2026 | Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Dec 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2026 · Amount on File |
| Deed Sale | May 15, 2026 · Amount on File |
| Prior Sale | Mar 22, 2022 · Amount on File |
| Deed Document Number | 2026709699 |
| Deed Book / Page | 3504 / 17 |
| Prior Transfer Date | Jan 14, 2022 |
| Prior Transfer Doc | 0000645939 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 15, 2026 |
| Property Address | 3228 SPRINGFIELD DR, LINCOLNTON, NC 28092-9336 |
| Document Number | 0000709699 |
| Book / Page | 3504 / 17 |
| Instrument Date | May 12, 2026 |
| Instrument | 2026709699 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $70,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3228 SPRINGFIELD DR, LINCOLNTON, NC 28092-9336 |
| Document Number | 0000709700, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 2026709700 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 15, 2026 |
| Property Address | 3228 SPRINGFIELD DR, LINCOLNTON, NC 28092-9336 |
| Document Number | 0000350417 |
| Book / Page | 3504 / 17 |
| Instrument Date | May 12, 2026 |
| Instrument | 2026709699 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $70,700.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3228 SPRINGFIELD DR, LINCOLNTON, NC 28092-9336 |
| Investor | Possibly a Property Investor |
| Document Number | 0000709700, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 2026709700 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 5.55% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Mar 22, 2022 |
| Property Address | 3228 SPRINGFIELD DR, LINCOLNTON, NC 28092-9336 |
| Document Number | 0003147940 |
| Book / Page | 3147 / 940 |
| Map Reference | MB D PG 68 |
| Instrument Date | Mar 21, 2022 |
| Instrument | 649378 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $630.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1025 PLANTATION DR # W2627, 1025, LITTLE RIVER, SC 29566-6005 |
| Name | Verified Name |
|---|
| Document Number | 0000649379 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 649379 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3228 SPRINGFIELD DR, LINCOLNTON, NC 28092-9336 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2989941 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 2989/941 |
| Instrument | 622528 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2026 property tax bill for 3228 Springfield Dr was $2,196, up 3.7% from the year before.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,196.00 (+3.73%) | $316,940 (-) Land $26,810 Building $290,130 | $316,940 (-) Land $26,810 Building $290,130 |
| 2025 | $2,117.00 | $316,940 Land $26,810 Building $290,130 | $316,940 Land $26,810 Building $290,130 |
| 2023 | $2,097.00 | $316,940 Land $26,810 Building $290,130 | $316,940 Land $26,810 Building $290,130 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3228 Springfield Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 3228 Springfield Dr 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 64% of the US · above 50% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LONG SHOALS WATER SYSTEM private · serves 196 people · EPA ID NC0155103 |
|---|---|
| Water Source | Purchased surface water from LINCOLN COUNTY WTP |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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