3783 Harmon Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3783 Harmon Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1961
Lot Size	0.947 acres (41,251 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,083 (2026)
Deeds & Mortgages	Apr 2026 Sale May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3603-26-8669`

Property Details

APN / Parcel Number

Primary APN	`3603-26-8669`
Alternative APNs	`360300268669` `316583` `14202` `3929`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	41,251 sqft (0.947 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	360 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	316583
Street Address	3783 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	HOMESITE RD 1187
Jurisdiction	LINCOLN NC
Township / Civil Division	HOWARDS CREEK
Census Block Group	1
Census Block	1001
Census Tract	70500

Owner

3783 Harmon Rd is owned and occupied by two individuals who acquired it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3783 HARMON RD, LINCOLNTON, NC 28092-1781
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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 24, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Aug 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 23, 2026
Transfer Doc	0000708646
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LINCOLN NC
Recording Date	Apr 24, 2026
Property Address	3783 HARMON RD, LINCOLNTON, NC 28092-1781
Document Number	0000708646
Book / Page	3497 / 587
Instrument Date	Apr 23, 2026
Instrument	2026708646
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3783 HARMON RD, LINCOLNTON, NC 28092-1781

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3783 HARMON RD, LINCOLNTON, NC 28092-1781
Transaction Type	Mortgage
Record Updated	May 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3037943
Date	May 3, 2021
Book Page	3037/943
Instrument	630578

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3783 HARMON RD, LINCOLNTON, NC 28092-1781
Document Number	2767445
Instrument Date	Aug 14, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018
Title Company	SOLIDIFI TITLE AND CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3783 HARMON RD LINCOLNTON NC 280921781, LINCOLNTON, NC 28092-1781

Mortgage

Document Number	2767445
Date	Aug 30, 2018
Book Page	002767/000445
Instrument	582719

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3783 Harmon Rd was $1,083.

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	$1,083.00	$148,623 (-) Land $28,777 Building $119,846	$148,623 (-) Land $28,777 Building $119,846
2025	$1,083.00	$148,623 Land $28,777 Building $119,846	$148,623 Land $28,777 Building $119,846
2023	$531.00	$148,623 Land $28,777 Building $119,846	$148,623 Land $28,777 Building $119,846

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

Flood

FEMA maps place 3783 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

Wildfire risk around 3783 Harmon 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Harmon Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures