3901 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3901 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,538 sqft · built 2020
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on Record
Last Sale	$248,000 (Nov 2020)
Tax Bill	$2,029 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3625-18-6222`

Property Details

APN / Parcel Number

Primary APN	`3625-18-6222`
Alternative APNs	`101112` `281611`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,538 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Lot Area	33,106 sqft (0.76 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	281611
Street Address	3901 RITCHIE RD
City	LINCOLNTON
State	NC
Zip	28092-9571
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#6 LT SHANE'S VIEW SUB
Legal Subdivision	SHANES VIEW SUBDIVISION
Legal Lot Number	6
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3016
Census Tract	70800

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3901 RITCHIE RD, LINCOLNTON, NC 28092-9571
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Deed Document Number	2020620357
Deed Book / Page	2977 / 15
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 20, 2020
Property Address	3901 RITCHIE RD, LINCOLNTON, NC 28092-9571
Document Number	297715
Book / Page	2977 / 15
Map Reference	MB 17 PG 391
Instrument Date	Nov 19, 2020
Instrument	620357
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$496.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 RITCHIE RD, LINCOLNTON, NC 28092-9571

Mortgage

Document Number	620358
Date	Nov 20, 2020
Instrument	620358

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$2,029.00 (+4.21%)	$310,291 (-) Land $28,944 Building $281,347	$310,291 (-) Land $28,944 Building $281,347
2023	$1,947.00	$310,291 Land $28,944 Building $281,347	$310,291 Land $28,944 Building $281,347

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	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

Nearby Properties on Ritchie Rd

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