3812 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3812 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,061 sqft · built 2020
Lot Size	2.67 acres (116,523 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,705 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3625-28-6554`

Property Details

APN / Parcel Number

Primary APN	`3625-28-6554`
Alternative APNs	`362500286554` `273877` `19516`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,061 sqft Living Area
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	116,523 sqft (2.67 acres)
Garage Area	1,472 sqft
Parking Spaces	5 Parking Spaces
Lean-To	256 sqft
Storage Building	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	273877
Street Address	3812 RITCHIE RD
City	LINCOLNTON
State	NC
Zip	28092-9570
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	LD & BUILDING R 1271
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3015
Census Tract	70800

Owner

3812 Ritchie Rd is owned and occupied by two individuals who acquired it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3812 RITCHIE RD, LINCOLNTON, NC 28092-9570
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
Jan 25, 2021	Warranty Deed, Transfer · VA Mortgage HOMESIDE FINANCIAL LLC
Mar 25, 2020	Deed of Trust, Mortgage MADISON HOMEBUILDERS
Jul 19, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2021
Deed Sale	Jan 25, 2021
Prior Sale	Aug 31, 1993 · Amount on File
Deed Document Number	2021623893
Deed Book / Page	2997 / 966
Prior Transfer Date	Jan 22, 2021
Prior Transfer Doc	2997966
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jan 25, 2021
Property Address	3812 RITCHIE RD, LINCOLNTON, NC 28092-9570
Document Number	2997966
Book / Page	2997 / 966
Instrument Date	Jan 22, 2021
Instrument	623893
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3812 RITCHIE RD, LINCOLNTON, NC 28092-9570

Mortgage

Document Number	2997969
Date	Jan 25, 2021
Book Page	2997/969
Instrument	623894

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3812 RITCHIE RD, LINCOLNTON, NC 28092-9570
Document Number	2893455
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 COLONIAL VILLAGE DR LINCOLNTON NC 280928287, LINCOLNTON, NC 28092-8287

Mortgage

Document Number	2893455
Date	Mar 26, 2020
Book Page	002893/000455
Instrument	606392

Lender

Name	MADISON HOMEBUILDERS
Type	Construction/Development Company
Address	CHARLOTTE, NC 28273

Agreement

Amount	Amount on Record

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 19, 2019
Property Address	3812 RITCHIE RD, LINCOLNTON, NC 28092-9570
Document Number	283255
Book / Page	002832 / 000055
Instrument Date	Jul 19, 2019
Instrument	595313
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 COLONIAL VILLAGE DR LINCOLNTON NC 280928287, LINCOLNTON, NC 28092-8287

Tax Assessment & Valuation

The 2026 property tax bill for 3812 Ritchie Rd was $2,705, 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	$2,705.00 (+0.78%)	$421,317 (-) Land $37,050 Building $384,267	$421,317 (-) Land $37,050 Building $384,267
2025	$2,684.00	$421,317 Land $37,050 Building $384,267	$421,317 Land $37,050 Building $384,267
2023	$2,601.00	$421,317 Land $37,050 Building $384,267	$421,317 Land $37,050 Building $384,267

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

Flood

FEMA maps place 3812 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 3812 Ritchie Rd is low, with a 0.03% 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 49% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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