3541 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3541 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft · built 1998
Lot Size	0.717 acres (31,233 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Oct 2022)
Tax Bill	$1,397 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3625-47-9753`

Property Details

APN / Parcel Number

Primary APN	`3625-47-9753`
Alternative APNs	`362500479753` `277271` `293480` `72422`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	31,233 sqft (0.717 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	400 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	293480
Street Address	3541 RITCHIE RD
City	LINCOLNTON
State	NC
Zip	28092-9567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#19 RITCHIE FARMS SUB
Legal Subdivision	RITCHIE FARMS
Legal Tract	19
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3018
Census Tract	70800

Owner

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	Individual Name on Record
Mailing Address	3541 RITCHIE RD, LINCOLNTON, NC 28092-9567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Feb 24, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Aug 3, 2017	Grant Deed, Transfer FIRST FSB/LINCOLNTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2022 · Amount on Record
Deed Sale	Oct 20, 2022 · Amount on Record
Prior Sale	Feb 24, 2020 · Amount on Record
Deed Document Number	2022659372
Deed Book / Page	3205 / 430
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 20, 2022
Property Address	3541 RITCHIE RD, LINCOLNTON, NC 28092-9567
Document Number	0003205430
Book / Page	3205 / 430
Map Reference	MB H PG 217
Instrument Date	Oct 20, 2022
Instrument	659372
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	804 W 6TH ST, 804, NEWTON, NC 28658-4214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 RITCHIE RD, LINCOLNTON, NC 28092-9567

Mortgage

Document Number	0000659373
Date	Oct 20, 2022
Instrument	659373

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 24, 2020
Property Address	3541 RITCHIE RD, LINCOLNTON, NC 28092-9567
Document Number	2884749
Book / Page	2884 / 749
Map Reference	MB H PG 217
Instrument Date	Feb 24, 2020
Instrument	604847
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1715 IVEY CT, 1715, LINCOLNTON, NC 28092

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3541 RITCHIE RD, LINCOLNTON, NC 28092-9567

Mortgage

Document Number	604848
Date	Feb 24, 2020
Instrument	604848

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LINCOLN NC
Recording Date	Aug 3, 2017
Property Address	3541 RITCHIE RD, LINCOLNTON, NC 28092-9567
Document Number	268392
Book / Page	002683 / 000092
Instrument Date	Aug 2, 2017
Instrument	566149
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1166 BETTER BROOK LN LINCOLNTON NC 280926304, LINCOLNTON, NC 28092-6304

Mortgage

Document Number	268399
Date	Aug 3, 2017
Book Page	002683/000099
Instrument	566151

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2047

Tax Assessment & Valuation

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	$1,397.00 (+0.72%)	$206,520 (-) Land $26,000 Building $180,520	$206,520 (-) Land $26,000 Building $180,520
2025	$1,387.00 (+3.82%)	$206,520 (-) Land $26,000 Building $180,520	$206,520 (-) Land $26,000 Building $180,520
2023	$1,336.00	$206,520 Land $26,000 Building $180,520	$206,520 Land $26,000 Building $180,520

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

Flood

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

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.

Internet Providers

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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