Lincoln County property record for 396 Cooper Rd, Vale, NC 28168
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,600 sqft · built 1998 |
| Lot Size | 4.12 acres (179,685 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $373,000 (May 2024) |
| Tax Bill | $1,702 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2664-67-0610 |
| Primary APN | 2664-67-0610 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,600 sqft Living Area |
| Basement Area | 1,600 sqft |
| Unfinished Basement | 1,600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 179,685 sqft (4.12 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 304053 |
|---|---|
| Street Address | 396 COOPER RD |
| City | VALE |
| State | NC |
| Zip | 28168-9383 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-T & R-SF |
| Legal Description | SMITH PROPERTY |
| Legal Subdivision | J T SMITH PROPERTY |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | NORTH BROOK |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 70500 |
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 | 396 COOPER RD, VALE, NC 28168-9383 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2024 · Amount on Record |
| Deed Sale | May 15, 2024 · Amount on Record |
| Prior Sale | Jul 15, 2021 · Amount on Record |
| Deed Document Number | 2024680428 |
| Deed Book / Page | 3324 / 579 |
| Prior Transfer Date | Apr 8, 2024 |
| Prior Transfer Doc | 0003324571 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 396 COOPER RD, VALE, NC 28168-9383 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0003167634 |
|---|---|
| Date | May 24, 2022 |
| Book Page | 3167/634 |
| Instrument | 652703 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jul 15, 2021 |
| Property Address | 396 COOPER RD, VALE, NC 28168-9383 |
| Document Number | 3062501 |
| Book / Page | 3062 / 501 |
| Instrument Date | Jul 15, 2021 |
| Instrument | 635030 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7419 HALLRNAN MILL ROAD, 7419, VALE, NC 28168 |
| Name | Verified Name |
|---|---|
| Address | 396 COOPER RD, VALE, NC 28168-9383 |
| Document Number | 635031 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 635031 |
| Name | C&F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,702.00 | $263,036 (-) Land $43,812 Building $219,224 | $263,036 (-) Land $43,812 Building $219,224 |
| 2025 | $1,702.00 (+1.01%) | $263,036 (-0.21%) Land $43,812 Building $219,224 | $263,036 (-0.21%) Land $43,812 Building $219,224 |
| 2023 | $1,685.00 | $263,589 Land $44,365 Building $219,224 | $263,589 Land $44,365 Building $219,224 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 21, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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