Lincoln County property record for 3495 Ritchie Rd, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,280 sqft · built 2004 |
| Lot Size | 0.604 acres (26,310 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Dec 2024) |
| Tax Bill | $1,536 (2026) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3625-57-4700 |
| Primary APN | 3625-57-4700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,280 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 26,310 sqft (0.604 acres) |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 308292 |
|---|---|
| Street Address | 3495 RITCHIE RD |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-6521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | #23 RITCHIE FARMS SUB |
| Legal Subdivision | RITCHIE FARMS |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 70800 |
3495 Ritchie Rd is owned and occupied by two individuals who bought it in December 2024.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3495 RITCHIE RD, LINCOLNTON, NC 28092-6521 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2024 · Amount on File |
| Deed Sale | Dec 27, 2024 · Amount on File |
| Prior Sale | Mar 25, 2021 · Amount on File |
| Deed Document Number | 2024689004 |
| Deed Book / Page | 3376 / 527 |
| Prior Transfer Date | Feb 5, 2016 |
| Prior Transfer Doc | 0025690044 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Mar 25, 2021 |
| Property Address | 3495 RITCHIE RD, LINCOLNTON, NC 28092-6521 |
| Document Number | 0003023199 |
| Book / Page | 3023 / 199 |
| Map Reference | MB H PG 218 |
| Instrument Date | Mar 22, 2021 |
| Instrument | 628007 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $370.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3495 RITCHIE RD, 3495, LINCOLNTON, NC 28092-6521 |
| Name | Verified Name |
|---|---|
| Address | 3495 RITCHIE RD, LINCOLNTON, NC 28092-6521 |
| Investor | Possibly a Property Investor |
| Document Number | 0000628008 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 628008 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2026 property tax bill for 3495 Ritchie Rd was $1,536, up 0.7% 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 | $1,536.00 (+0.72%) | $229,345 (-) Land $26,000 Building $203,345 | $229,345 (-) Land $26,000 Building $203,345 |
| 2025 | $1,525.00 | $229,345 Land $26,000 Building $203,345 | $229,345 Land $26,000 Building $203,345 |
| 2023 | $1,470.00 | $229,345 Land $26,000 Building $203,345 | $229,345 Land $26,000 Building $203,345 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3495 Ritchie 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 risk around 3495 Ritchie 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 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: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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