3897 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3897 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,734 sqft · built 2020
Lot Size	0.804 acres (35,022 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (May 2026)
Tax Bill	$2,260 (2026)
Deeds & Mortgages	Aug 2021 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3625-18-7231`

Property Details

APN / Parcel Number

Primary APN	`3625-18-7231`
Alternative APNs	`101113` `279417` `317296`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,734 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Lot Area	35,022 sqft (0.804 acres)
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	317296
Street Address	3897 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	#7 LT SHANE'S VIEW SUB
Legal Subdivision	SHANES VIEW SUBDIVISION
Legal Lot Number	7
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3016
Census Tract	70800

Owner

3897 Ritchie Rd is owned and occupied by an individual who bought it in May 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3897 RITCHIE RD, LINCOLNTON, NC 28092-9570
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
May 29, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Aug 9, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jul 23, 2020	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026 · Amount on File
Deed Sale	May 29, 2026 · Amount on File
Prior Sale	Jul 23, 2020 · Amount on File
Deed Document Number	2026710342
Deed Book / Page	3508 / 51
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3897 RITCHIE RD, LINCOLNTON, NC 28092-9570
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0003070653
Date	Aug 9, 2021
Book Page	3070/653
Instrument	636435

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

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

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	May 29, 2026
Property Address	3897 RITCHIE RD, LINCOLNTON, NC 28092-9570
Document Number	0000350851
Book / Page	3508 / 51
Instrument Date	May 29, 2026
Instrument	2026710342
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3897 RITCHIE RD, LINCOLNTON, NC 28092-9570

Mortgage

Document Number	0000710343,
Date	May 29, 2026
Instrument	2026710343

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	3897 RITCHIE RD, LINCOLNTON, NC 28092-9570
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3070653
Date	Aug 9, 2021
Book Page	3070/653
Instrument	636435

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 23, 2020
Property Address	3897 RITCHIE RD, LINCOLNTON, NC 28092-9570
Document Number	2930805
Book / Page	002930 / 000805
Instrument Date	Jul 21, 2020
Instrument	612595
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	142 ATWELL DR STATESVILLE NC 286772512, STATESVILLE, NC 28677-2512

Mortgage

Document Number	2930807
Date	Jul 23, 2020
Book Page	002930/000807
Instrument	612596

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3897 Ritchie Rd was $2,260, 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	$2,260.00 (+0.8%)	$348,133 (-) Land $29,137 Building $318,996	$348,133 (-) Land $29,137 Building $318,996
2025	$2,242.00	$348,133 Land $29,137 Building $318,996	$348,133 Land $29,137 Building $318,996
2023	$2,170.00	$348,133 Land $29,137 Building $318,996	$348,133 Land $29,137 Building $318,996

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

Flood

FEMA maps place 3897 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 3897 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	Direct burnable vegetation

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 20 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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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