3907 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 3907 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,513 sqft · built 2020
Lot Size	0.764 acres (33,280 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,994 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3625-18-5224`

Property Details

APN / Parcel Number

Primary APN	`3625-18-5224`
Alternative APNs	`101111` `279193`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,513 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Lot Area	33,280 sqft (0.764 acres)
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	279193
Street Address	3907 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	#5 LT SHANE'S VIEW SUB
Legal Lot Number	5
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	2 Individual Names on Record
Mailing Address	3907 RITCHIE RD, LINCOLNTON, NC 28092-9571
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Warranty Deed, Transfer SHARONVIEW FCU
Feb 28, 2020	Deed of Trust, Construction Loan · Line of Credit FIRST FSB/LINCOLNTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 2, 2020
Property Address	3907 RITCHIE RD, LINCOLNTON, NC 28092-9571
Document Number	2924635
Book / Page	002924 / 000635
Instrument Date	Jun 26, 2020
Instrument	611545
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$472.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3907 RITCHIE RD LINCOLNTON NC 28092, LINCOLNTON, NC 28092

Mortgage

Document Number	2924637
Date	Jul 2, 2020
Book Page	002924/000637
Instrument	611546

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	PO BOX 2070, FORT MILL, SC 29716-2070

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

February 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	Feb 28, 2020
Property Address	3907 RITCHIE RD, LINCOLNTON, NC 28092-9571
Document Number	2886460
Book / Page	002886 / 000460
Instrument Date	Feb 27, 2020
Instrument	605149
Transaction Type	Construction Loan
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3684 GOODSON RD MAIDEN NC 286508215, MAIDEN, NC 28650-8215

Mortgage

Document Number	2886460
Date	Feb 28, 2020
Book Page	002886/000460
Instrument	605149

Lender

Name	FIRST FSB/LINCOLNTON
Type	Federal Savings Bank
Address	LINCOLNTON, NC 28092-3398

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 27, 2021

Interest

Rate Type	Adjustable Rate

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	$1,994.00 (+4.23%)	$304,566 (-) Land $28,961 Building $275,605	$304,566 (-) Land $28,961 Building $275,605
2023	$1,913.00	$304,566 Land $28,961 Building $275,605	$304,566 Land $28,961 Building $275,605

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

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