3867 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3867 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,804 sqft · built 2022
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Aug 2026)
Tax Bill	$2,221 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3625-27-1987`

Property Details

APN / Parcel Number

Primary APN	`3625-27-1987`
Alternative APNs	`104754` `296247`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,804 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Custom Design
Lot Area	34,848 sqft (0.8 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	296247
Street Address	3867 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	#2B LT SHANE MCCORKLE
Legal Tract	2B
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3016
Census Tract	70800

Owner

Source: Lincoln County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3867 RITCHIE RD, LINCOLNTON, NC 28092-9570
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO
Apr 5, 2023	Intrafamily Transfer, Transfer
Dec 16, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2026 · Amount on Record
Deed Sale	Aug 27, 2026 · Amount on Record
Prior Sale	Dec 16, 2022 · Amount on Record
Deed Document Number	2026714314
Deed Book / Page	3532 / 827
Prior Transfer Date	Mar 28, 2023
Prior Transfer Doc	0003239730
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Aug 27, 2026
Property Address	3867 RITCHIE RD, LINCOLNTON, NC 28092-9570
Document Number	0000714314
Book / Page	3532 / 827
Instrument Date	Aug 27, 2026
Instrument	2026714314
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,690.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3867 RITCHIE RD, LINCOLNTON, NC 28092-9570

Mortgage

Document Number	0000714315,
Date	Aug 27, 2026
Book Page	3532/830
Instrument	2026714315

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	Apr 5, 2023
Property Address	3867 RITCHIE RD, LINCOLNTON, NC 28092-9570
Document Number	0003239730
Book / Page	3239 / 730
Map Reference	MB 22 PG 55
Instrument Date	Mar 28, 2023
Instrument	665567
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 COMMONWEALTH DR, LINCOLNTON, NC 28092-8587

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3867 RITCHIE RD, LINCOLNTON, NC 28092-9570

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Dec 16, 2022
Property Address	3867 RITCHIE RD, LINCOLNTON, NC 28092-9570
Document Number	0000321822
Book / Page	3218 / 22
Map Reference	MB 22 PG 55
Instrument Date	Dec 16, 2022
Instrument	661588
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$708.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3684 GOODSON RD, MAIDEN, NC 28650-8215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3867 RITCHIE RD, LINCOLNTON, NC 28092-9570

Mortgage

Document Number	0000661589
Date	Dec 16, 2022
Instrument	661589

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.32%
Type Change Date	Jan 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.32%
Max Rate At Change	7.32%
Index	5-Year TN
Margin	2
Max Rate	11.3%

Tax Assessment & Valuation

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	$2,221.00 (+0.77%)	$341,724 (-) Land $26,240 Building $315,484	$341,724 (-) Land $26,240 Building $315,484
2025	$2,204.00	$341,724 Land $26,240 Building $315,484	$341,724 Land $26,240 Building $315,484

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

Flood

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

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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