Lincoln County property record for 3229 Pine Tree St, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,334 sqft · built 1971 |
| Lot Size | 0.507 acres (22,085 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,335 (2026) |
| Deeds & Mortgages | Nov 2023 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3631-42-7846 |
| Primary APN | 3631-42-7846 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,334 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 22,085 sqft (0.507 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10706 |
|---|---|
| Street Address | 3229 PINE TREE ST |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-9229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | #1 WHISPERING PINES AKA |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 70400 |
Source: Lincoln County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3229 PINE TREE ST, LINCOLNTON, NC 28092-9229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3229 PINE TREE ST, LINCOLNTON, NC 28092-9229 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2023 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 3229 PINE TREE ST, LINCOLNTON, NC 28092-9229 |
| Document Number | 0003289702 |
|---|---|
| Date | Nov 16, 2023 |
| Book Page | 3289/702 |
| Instrument | 674236 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 886 Months |
| Due | Sep 16, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.05% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 13% |
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 | $1,335.00 (+110.57%) | $184,282 (-) Land $27,000 Building $157,282 | $184,282 (-) Land $27,000 Building $157,282 |
| 2023 | $634.00 | $184,282 Land $27,000 Building $157,282 | $184,282 Land $27,000 Building $157,282 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 49 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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