3627 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3627 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,383 sqft · built 2020
Lot Size	0.503 acres (21,911 sqft)
Owner	Individual Name on File
Last Sale	$580 (Mar 2022)
Tax Bill	$1,921 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3625-47-0578`

Property Details

APN / Parcel Number

Primary APN	`3625-47-0578`
Alternative APNs	`362500470578` `290088` `72415`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,383 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Lot Area	21,911 sqft (0.503 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	290088
Street Address	3627 RITCHIE RD
City	LINCOLNTON
State	NC
Zip	28092-9568
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#11 RITCHIE FARMS SUB
Legal Subdivision	RITCHIE FARMS
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3018
Census Tract	70800

Owner

3627 Ritchie Rd is owned and occupied by an individual who bought it in March 2022.

Source: Lincoln County records, as of August 27, 2026

Owner of Record	Individual Name on File
Mailing Address	3627 RITCHIE RD, LINCOLNTON, NC 28092-9568
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · FHA Mortgage COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES
Dec 16, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 25, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 28, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2022 · Amount on File
Deed Sale	Mar 25, 2022 · Amount on File
Prior Sale	May 28, 2020 · Amount on File
Deed Document Number	2022649656
Deed Book / Page	3149 / 859
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	Apr 22, 2026
Property Address	3627 RITCHIE RD, LINCOLNTON, NC 28092-9568
Document Number	0000708494
Book / Page	3496 / 667
Instrument Date	Apr 1, 2026
Instrument	2026708494
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3627 RITCHIE RD, LINCOLNTON, NC 28092-9568

Mortgage

Document Number	0000708494,
Date	Apr 22, 2026
Book Page	3496/667
Instrument	2026708494

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Apr 1, 2052

Interest

Rate	6%
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3627 RITCHIE RD, LINCOLNTON, NC 28092-9568
Transaction Type	Mortgage
Record Updated	Dec 26, 2022
Title Company	COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3627 RITCHIE RD, LINCOLNTON, NC 28092-9568

Mortgage

Document Number	0003217843
Date	Dec 16, 2022
Book Page	3217/843
Instrument	661565

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	364 Months
Due	Apr 1, 2053

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Mar 25, 2022
Property Address	3627 RITCHIE RD, LINCOLNTON, NC 28092-9568
Document Number	0003149859
Book / Page	3149 / 859
Map Reference	MB H PG 217
Instrument Date	Mar 25, 2022
Instrument	649656
Transaction Type	Transfer
Record Updated	Sep 23, 2022
Title Company	FORTIFIED TITLE, FORTIFIED TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16200 LEEWARD LN, 16200, HUNTERSVILLE, NC 28078-8956

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3627 RITCHIE RD, LINCOLNTON, NC 28092-9568

Mortgage

Document Number	0000649657
Date	Mar 25, 2022
Instrument	649657

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	May 28, 2020
Property Address	3627 RITCHIE RD, LINCOLNTON, NC 28092-9568
Document Number	2912669
Book / Page	002912 / 000669
Instrument Date	Feb 10, 2020
Instrument	609484
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$10.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16200 LEEWARD LN HUNTERSVILLE NC 280788956, HUNTERSVILLE, NC 28078-8956

Tax Assessment & Valuation

The 2026 property tax bill for 3627 Ritchie Rd was $1,921, up 0.8% from the year before.

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	$1,921.00 (+0.79%)	$292,522 (-) Land $26,000 Building $266,522	$292,522 (-) Land $26,000 Building $266,522
2025	$1,906.00	$292,522 Land $26,000 Building $266,522	$292,522 Land $26,000 Building $266,522
2023	$1,842.00	$292,522 Land $26,000 Building $266,522	$292,522 Land $26,000 Building $266,522

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

Flood

FEMA maps place 3627 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

Wildfire risk around 3627 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 62% of the US · above 52% 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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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