Lincoln County property record for 3703 Harmon Rd, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,576 sqft · built 2020 |
| Lot Size | 1.41 acres (61,725 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,631 (2026) |
| Deeds & Mortgages | Aug 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3603-25-9655 |
| Primary APN | 3603-25-9655 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,576 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Custom Design |
| Lot Area | 61,725 sqft (1.41 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 260227 |
|---|---|
| Street Address | 3703 HARMON RD |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-1781 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | #5B JERRY P GILBERT JR & |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | HOWARDS CREEK |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 70500 |
3703 Harmon Rd is owned and occupied by two individuals.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3703 HARMON RD, LINCOLNTON, NC 28092-1781 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3703 HARMON RD, LINCOLNTON, NC 28092-1781 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000319072 |
|---|---|
| Date | Aug 19, 2022 |
| Book Page | 3190/72 |
| Instrument | 656634 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.95% |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.95% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9.95% |
The 2026 property tax bill for 3703 Harmon Rd was $3,631.
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 | $3,631.00 | $550,257 Land $30,041 Building $520,216 | $550,257 Land $30,041 Building $520,216 |
| 2023 | $3,611.00 | $550,257 Land $30,041 Building $520,216 | $550,257 Land $30,041 Building $520,216 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3703 Harmon 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 3703 Harmon Rd is low, with a 0.04% 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 | 0.04% 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 | LINCOLN COUNTY WTP serves 49,693 people · EPA ID NC0155035 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 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 40 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 |
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