411 E Main St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 411 E Main St, Lincolnton, NC 28092

Property Summary

Property Type	Restaurant
Details	4,081 sqft · built 1966
Lot Size	0.267 acres (11,674 sqft)
Owner	Company Name on Record
Last Sale	$215,000 (Oct 2020)
Tax Bill	$6,138 (2023)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3623-94-5861`

Property Details

APN / Parcel Number

Primary APN	`3623-94-5861`
Alternative APNs	`362316945861` `281081` `52603`

Interior

Stories	1 Story
Building Area	4,081 sqft Finished Area

Exterior

Year Built	Built 1966
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	11,674 sqft (0.267 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	281081
Old Parcel Number	362316945861
Street Address	411 E MAIN ST
City	LINCOLNTON
State	NC
Zip	28092-3305
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	CBT
Legal Description	E. MAIN ST. HOMESITE
Legal Block	94
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	5
Census Block	5043
Census Tract	70100

Owner

Source: Lincoln County records, as of November 17, 2023

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

Owner of Record	Company Name on Record
Mailing Address	5708 HARWELL RD, CATAWBA, NC 28609-9558
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage CITY OF LINCOLNTON
Oct 28, 2020	Warranty Deed, Transfer · Commercial Mortgage CHARLOTTE METRO FCU
Dec 4, 2017	Warranty Deed, Transfer · Conventional with PMI ALAN D PEELER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2020 · Amount on Record
Deed Sale	Oct 28, 2020 · Amount on Record
Deed Document Number	0002967947
Deed Book / Page	2967 / 947
Record Updated	Jun 7, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	411 E MAIN ST, LINCOLNTON, NC 28092-3305
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5708 HARWELL RD, CATAWBA, NC 28609-9558

Mortgage

Document Number	0003104597
Date	Nov 5, 2021
Book Page	3104/597
Instrument	642156

Lender

Name	CITY OF LINCOLNTON
Type	Government Agency
Address	LINCOLNTON, NC 28092

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 28, 2020
Property Address	411 E MAIN ST, LINCOLNTON, NC 28092-3305
Document Number	0002967947
Book / Page	2967 / 947
Instrument Date	Oct 28, 2020
Instrument	618773
Transaction Type	Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5708 HARWELL RD, CATAWBA, NC 28609-9558

Mortgage

Document Number	0000618774
Date	Oct 28, 2020
Instrument	618774

Lender

Name	CHARLOTTE METRO FCU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Dec 4, 2017
Property Address	411 E MAIN ST, LINCOLNTON, NC 28092-3305
Document Number	271091
Book / Page	002710 / 000091
Instrument Date	Dec 4, 2017
Instrument	571393
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1721 ARDEN DR LINCOLNTON NC 280927751, LINCOLNTON, NC 28092-7751

Mortgage

Document Number	271093
Date	Dec 4, 2017
Book Page	002710/000093
Instrument	571394

Lender

Name	ALAN D PEELER
Address	917 S ASPEN ST, LINCOLNTON, NC 28092-3107
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Dec 3, 2027

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	North Carolina
County	Lincoln County
Municipality	Lincolnton City
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,138.00	$590,457 Land $120,709 Building $469,748	$590,457 Land $120,709 Building $469,748

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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LINCOLNTON serves 16,309 people · EPA ID NC0155010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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