Lincoln County property record for 3798 Spike Ln, Vale, NC 28168
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,218 sqft · built 2002 |
| Lot Size | 0.794 acres (34,587 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (May 2018) |
| Tax Bill | $1,500 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3604-56-3948 |
| Primary APN | 3604-56-3948 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,218 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 34,587 sqft (0.794 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 267712 |
|---|---|
| Street Address | 3798 SPIKE LN |
| City | VALE |
| State | NC |
| Zip | 28168-9701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-T |
| Legal Description | #27 LOT DOE PARK SUB |
| Legal Subdivision | DOE PARK |
| Legal Lot Number | 27 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | HOWARDS CREEK |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 70700 |
3798 Spike Ln is owned and occupied by two individuals who bought it in May 2018.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3798 SPIKE LN, VALE, NC 28168-9701 |
| 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.
| Date | Document |
|---|---|
| Nov 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| May 31, 2018 | Warranty Deed, Transfer C&F MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2018 · Amount on File |
| Deed Sale | May 31, 2018 · Amount on File |
| Prior Sale | Aug 28, 2006 · Amount on File |
| Deed Document Number | 2018578584 |
| Deed Book / Page | 2746 / 199 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 3798 SPIKE LN, VALE, NC 28168-9701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2971878 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 2971/878 |
| Instrument | 619400 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 31, 2018 |
| Property Address | 3798 SPIKE LN, VALE, NC 28168-9701 |
| Document Number | 2746199 |
| Book / Page | 002746 / 000199 |
| Instrument Date | May 31, 2018 |
| Instrument | 578584 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3798 SPIKE LN LINCOLNTON NC 28092, LINCOLNTON, NC 28092 |
| Document Number | 2746201 |
|---|---|
| Date | May 31, 2018 |
| Book Page | 002746/000201 |
| Instrument | 578585 |
| Name | C&F MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIDLOTHIAN, VA 23113 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 30, 2048 |
The 2026 property tax bill for 3798 Spike Ln was $1,500.
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 | $1,500.00 | $218,006 Land $22,000 Building $196,006 | $218,006 Land $22,000 Building $196,006 |
| 2023 | $1,480.00 | $218,006 Land $22,000 Building $196,006 | $218,006 Land $22,000 Building $196,006 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3798 Spike Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Feb 2020 · other causes |
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 3798 Spike Ln 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 66% of the US · above 46% 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.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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