Lincoln County property record for 3246 River Rd, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,324 sqft · built 1997 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $98,500 (May 2000) |
| Tax Bill | $1,680 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 3625-37-6428 |
| Primary APN | 3625-37-6428 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,324 sqft Living Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 27,443 sqft (0.63 acres) |
| Canopy | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 143284 |
|---|---|
| Street Address | 3246 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 | #7 RITCHIE FARMS SUB |
| Legal Subdivision | RITCHIE FARMS |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 70800 |
Source: Lincoln County records, as of August 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3246 RIVER RD, LINCOLNTON, NC 28092-9532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 17, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2000 · Amount on Record |
| Deed Sale | May 8, 2000 · Amount on Record |
| Prior Sale | May 16, 1997 · Amount on Record |
| Deed Book / Page | 1172 / 670 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 19, 2026 |
| Property Address | 3246 RIVER RD, LINCOLNTON, NC 28092-9532 |
| Document Number | 0000709794 |
| Book / Page | 3504 / 449 |
| Instrument Date | May 14, 2026 |
| Instrument | 2026709794 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 3246 RIVER RD, LINCOLNTON, NC 28092-9532 |
| Investor | Possibly a Property Investor |
| Document Number | 0000709794, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 3504/449 |
| Instrument | 2026709794 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3246 RIVER RD, LINCOLNTON, NC 28092-9532 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 2899251 |
|---|---|
| Date | Apr 17, 2020 |
| Book Page | 2899/251 |
| Instrument | 607341 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 10, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,680.00 (+0.72%) | $253,010 (-) Land $26,000 Building $227,010 | $253,010 (-) Land $26,000 Building $227,010 |
| 2025 | $1,668.00 (+3.6%) | $253,010 (-) Land $26,000 Building $227,010 | $253,010 (-) Land $26,000 Building $227,010 |
| 2023 | $1,610.00 | $253,010 Land $26,000 Building $227,010 | $253,010 Land $26,000 Building $227,010 |
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 |
|---|---|
| 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 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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.
5G (outdoors only) and 4G LTE
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